Xinmengxiang is a credit loan product launched by Nanjing Bank. It is a financial APP, which is different from the traditional loans. It doesn't need to go to the outlets to apply or submit paper materials. You can apply online all the time, and you can lend money in 3 minutes at the earliest.

However, it is restricted by regions. At present, only Nanjing, Wuxi, Suzhou, Nantong, Taizhou, Yangzhou, Shanghai, Hangzhou, Changzhou, Beijing and Xuzhou can apply. Moreover, it only supports the binding of debit cards in my own name, but cards from other banks are not allowed. However, when applying, you can bind other banks and authenticate your identity through cards from other banks.

Extended information:

Function introduction: 1. Application form: with ID card, online processing, brushing your face to get the quota, without paper materials. 2. It will take up to 5 minutes from application to loan, and cash will be received. 3. As you borrow, you can repay it with the same principal and interest, and there is no handling fee for prepayment. 4. The line can be recycled, and no interest will accrue if it is not used.

repayment method: Xinmengxiang can complete the contract signing and other operations online. If you repay, you can check the amount and the number of installments you need to repay through customer service calls such as 964 (Jiangsu) or 488964 (nationwide). After the inquiry, you can repay online. Under normal circumstances, you can apply for early repayment after 6 months of repayment, but you need to pay liquidated damages.

Reference: Baidu Encyclopedia-Xinmengxiang Consumer Loan