In the case that Sunshine Loan is not paid yet, first contact the customer service staff of the software to explain that they are not overdue intentionally, and then ask whether they can apply for a grace period, or whether they can pay the interest first and then the principal. If these can't alleviate the repayment pressure, the borrower can consult whether it can be mortgaged, temporarily mortgage the assets under his name to the platform, and then return it after the loan is paid off. Overdue repayment of Sunshine Loan will be reported to the central bank's credit record, because Sunshine Loan is a loan with banks such as Everbright and Guangfa. Once the credit record is generated, it will be kept for at least five years.

I. Introduction of Sunshine Credit:

"Sunshine Credit" refers to a brand-new loan method that banks put the whole process of customer's loan investigation, credit granting, pricing, operation process and public commitment service under the effective supervision of the public and banks, so that customers can understand the bank's loan process, at the same time, banks can understand their business conditions and enhance mutual trust between banks and customers.

Second, the characteristics of Sunshine Loan:

1, strong risk control system, strong professional risk control team, complete audit system and risk control system.

2. Low borrowing and high investment, and low lending interest rates in the industry make it easier for you to find borrowers; The investment income is high and stable.

3. Independent research and development system, simple and friendly operation interface, avoiding various financial loopholes, and automatically generating various reports.

4. Three years of steady operation has laid a good user base and strong fund-raising ability.

5.65,438+000% principal and interest guarantee. The loan of the platform has a unified principal and interest guarantee reserve, which provides investors with 65,438+000% principal and interest guarantee.

Iii. Basic information of Sunshine Loan:

Official website introduced that the Sunshine Loan Platform uses two third-party payment platforms, Guofubao and Alipay, to recharge investors and ensure the safety of funds; At the same time, with the help of the online banking system of commercial banks, the real-name registration system of both parties can be realized. At the same time, the real flow of platform funds can be monitored through telephone return visits and on-site inspections to ensure that there is no abnormality in the investment of funds; The financial statements of Sunshine Loan are supported by a professional and mature financial system, and the reconciliation is updated every day to ensure that the platform funds and account funds are consistent and avoid financial data confusion; At the same time, analyze the accounts of each loan, calculate the interest rate of the loan, do a good job of strict internal control, and ensure that there is enough reserve for principal and interest to cover overdue bad debts. Sunshine Loan has set up an accrued principal and interest guarantee reserve to provide guarantee for all loans traded on the platform; When the borrower is overdue or unable to repay the loan, it will start to withdraw the principal and interest guarantee reserve to guarantee the investor's principal and interest with 100%. Details can be found in official website.