Pleasant loan is a formal loan product. Compared with most online lending platforms, pleasant loans are more popular with users. Pleasant loan can provide users with credit card repayment service and cash loan service. For consumers, repaying loans is also very convenient. Users can choose credit card repayment and cash loan products according to their needs. At present, the maximum loan amount can reach 50,000 yuan, and the monthly interest rate can be as low as 0.85%, which is relatively low.

The annualized interest rate of pleasant loan is very high, and the annualized interest rate of 12 months is 24%. If you have other financing channels, I suggest you not apply for online loan products. Because the interest of online loan products is too high, many people apply for loans to make up for the lack of cash flow. Although many people think that online loan products are easy to apply for, when they repay, many people will find that they can't afford the money at all. Some people will have malicious overdue, which can be expected to affect a person's credit information and directly affect a person's normal life.

The main company of Pleasant Loan is Pleasant Loan Jinke, and it is also the first P2P company officially listed in the US stock market. At that time, the growth rate of pleasant loans was particularly exaggerated, reaching more than 200% in just two years, and the transaction cost also increased from 654.38 billion yuan to 40 billion yuan. The application and approval process of pleasant loans are very formal, which is much better than non-performing loans.