This is not illegal.

The analysis is as follows:

1. This is private lending, in line with national regulations.

2. At present, micro-credit is only open to some people, so it can only be opened to you by improving the relationship with WeChat, Weizhong and Tencent. That is, the system invitation system, only the system invites you and is open to you.

3. Use Tencent's products more, including instant messaging, online shopping and online payment, as well as virtual consumption, relationship chains, games, media behaviors and basic portraits. In particular, the bank card bound to WeChat wallet has more transfers and more red envelopes, and the purchase of the above wealth management products is estimated to be the fastest.

4. Those who say they can open it by force and have an invitation code are liars, either trying to cheat you out of money or personal information. If it has been opened, go to WeChat-I-Wallet-Micro Loan to borrow money, and press the interface. (Take HUAWEIGRA-CL 10, version number: GRA-CL1092B366, system version number: EMUI system 4.0. 1 as an example) WeChat version 8.0. 16.

Micro-loan is a personal micro-credit revolving consumer loan launched by Tencent Weizhong Bank for WeChat and QQ users. Micro-loan is an invitation form, which is only open to some users. The total amount of personal loans is between 500 yuan and 200,000 yuan, and the maximum single loan amount is 40,000 yuan. If your WeChat wallet has "micro loan to borrow money", you can apply for opening it. If not, unfortunately, you can only wait patiently. Because micro-credit is only open to some users at present, the judgment standard is the user's personal credit, so we can't apply for permission actively, and more users will be invited to use it later.

2. Micro-loan is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first Internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September. Micro-credit adopts user invitation system. At present, invited users can see the entrance of micro-loan in QQ wallet of mobile phone QQ and WeChat wallet of WeChat. The user's credit limit is between 5 million and 300 thousand, which varies according to the individual's comprehensive situation. A single loan can be 500 yuan-40,000 yuan. Micro-loans use the method of daily interest, with the daily interest rate of 0.02%-0.05%, that is, the loan 1 10,000 yuan, with the daily interest of 2 to 5 yuan.

Is 360 IOUs legal?

360 IOUs are legal.

360 IOU is a consumer credit brand under 360 Finance. It evaluates users' credit based on 360 big data, and provides a credit line of 50,000-200,000 on this basis, with fast arrival and low interest. 360 IOUs are well received by users with their technical and service advantages.

360 IOUs are based on 360 Credit, an independent third-party credit evaluation management organization under 360, and objectively present personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas.

Completely anti-obligation and real-name management

When users use the products and services provided by 360 IOUs, according to laws, regulations and rules, 360 needs to complete the authentication of anti-real-name registration system, and users need to provide the user's real name, identity document information (identity document type, identity document number, identity document expiration date and identity document image) and bank card information (bank card photo, bank card opening bank, bank card, bank card expiration date and bank reserved mobile phone number).

In order to complete the real-name system management and customer identification, and to prevent fraud risks and ensure account security, users need to authenticate their faces and ID cards, and users agree that 360 has the right to collect photos of their faces and ID cards.

In order to accurately and effectively complete the user's identity authentication, the user agrees that 360 has the right to submit the aforementioned identity information, including face photos and ID photos, to a third-party identity authentication institution. If the user refuses to provide this information, the user will not be able to obtain loan credit, but it will not affect the basic browsing of products and services on the 360 IOU platform.

The above contents refer to Baidu Encyclopedia -360 IOUs.

Refer to 360 IOUs -360 IOUs Privacy Policy for the above contents.

Is mobile online lending legal?

Hello, there are many platforms available now, and the amount is basically between 5 million and 300,000. You can apply through banks and online loans. Compared with other loans, although the amount is low, it is very popular because of its fast lending and flexible borrowing. As long as you choose a regular big platform, and the security of funds and information is guaranteed, you can use it with confidence.

It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

Is the overdue fee for mobile loan APP legal? It is legal in this range!

Today, with the highly developed Internet, mobile phones have become an important tool for people. Many friends are overdue after borrowing money through the mobile loan APP. A friend asked: Is the overdue fee for the mobile loan APP legal? The following is to introduce the relevant content for everyone.

Banks will also charge overdue fees to people in loans overdue. Therefore, it is legal for the hand loan APP to charge overdue fees, but the fees should not be too high, otherwise it may be suspected. China is divided into the following regions:

1, the annualized cost is below 24%, and the interest will be protected by law;

2. The annualized fee is between 24% and 36%, and more than 24% is not illegal and can be collected;

3. The annualized expenses are above 36%, and the part exceeding 36% is not protected by law, and the borrower may not repay it.

Therefore, if you find that the mobile loan APP you use has charged us too much overdue fee, then you can not return more than 36%. What's more, it involves civil law, not criminal law. Only when the lending institution is involved in violent crimes will it touch the criminal law.

As can be seen from the above, it is legal and reasonable for everyone to pay a certain overdue fee after loans overdue. In fact, loans overdue's consequences are not just the payment of overdue fees. We must bear the consequences:

1, my personal credit will be seriously damaged, which may not only affect sesame credit score and online credit score. It will also affect the central bank's credit score. In the days to come, it is difficult for people with bad credit to apply for mortgages and car loans.

2. If the loan is seriously overdue, the lending institution may sue the borrower. At that time, everyone risks being included in the list of untrustworthy people.

Is the microfinance platform legal and formal?

The micro-loan platform is legal and formal.

Microfinance is a formal peer-to-peer lending platform, which is different from most ordinary online lending platforms.

Microfinance belongs to the lending products of banks. Because this product was launched by Weizhong Bank on 20 15, friends who know Weizhong Bank know that Weizhong Bank is the first private Internet bank in China, and it was approved by the China Banking Regulatory Commission in 20 14 and got a formal banking license. Therefore, relying on the strong background of Weizhong Bank, microfinance is more secure in terms of security and reliability.

When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;

4. Generally, formal product audit is strict. Although it is easy to use, it is difficult to apply, and so is money. However, I am looking for the exclusive application channel required by internal personnel, and the payment rate is very high, so it is the most recommended product among the products. Now that I have recommended it to everyone, I will present the exclusive application channel together, and friends in need can apply for it themselves.

Just remember to use the flowers that you got the quota on the same day, otherwise the quota may be taken back. This has happened to some friends before, remember.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

There is another one: 360 loan is actually the anti-virus king Qihoo 360 online loan platform, which mainly provides pure credit loans for everyone. The amount is less than 200,000 yuan, the service period is between 1 and 12 months, and the daily interest rate can be as low as 0.027%. As a platform under the network security giant, 360 IOUs are still more reliable than ordinary platforms.

360 IOUs, with a maximum loan of 200,000!

Click online measurement

Third, the "new loan" is an unsecured RMB loan business owned or issued by Ping An Bank for legal consumption or business purposes other than house purchase. The information is complete, and the loan will be released within 1-3 working days.

The application threshold is low: you can apply for a monthly income of more than 4,000 yuan (car loan, mortgage, provident fund and insurance policy are the best), the amount is appropriate, and the repayment is flexible: the loan amount is 654.38 yuan +0. 1 10,000 to 500,000 yuan; The loan term is 12 months, 24 months, 36 months, and the excellent occupation can be as long as 48 months.

Ping An Xin Yi Dai Click Online Measurement

The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!