Cash loans, like foreign currency jars, belong to Beijing Xianyue Information Technology Co., Ltd. and are still very popular in the market. Some netizens want to apply for cash loans and come to consult and ask if cash loans are formal companies. Then let's briefly talk about this problem for everyone.

Is cash loan a regular company?

1. Background: The funds of the cash lending platform are deposited by Huaxia Bank, which is still guaranteed, and the products of the platform are purely online. By the end of 20 19, more than 300,000 users had been matched.

2. Offline interest: Cash loan is a small platform, which is about 2000-5000 yuan offline. As far as the official interest rate is concerned, such as cash loan of 5,000 yuan and daily interest rate, it has been used for one month, so the interest to be paid is 5,000 yuan, and the annualized interest rate is 36%, just on the edge of the red line.

3. Application/Approval: The application conditions for cash loans are very simple. As long as you are a mainland citizen aged 18-30, you can apply as long as your credit information is good. Mobile phone operator certification and work certification are required in the application process.

In addition, there will be a return call during the audit. Pay attention to the answer, mainly to check personal information and loan purposes, and it will arrive in about 2 hours.

4. Credit investigation: Cash loan is for credit investigation.

The above is about "Is cash loan a regular company?" The answer, I hope to help everyone. As a short-term small loan platform, it is still possible to turn losses into profits.

Recommend a Beijing loan company. I want to borrow money?

It is recommended to choose formal channels to handle loans. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through the mobile banking app, or you can check whether you are eligible to apply.

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.

4. There are two ways to apply for a loan within the lightning loan limit:

(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.

(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.