Hello, our country's law stipulates that the maximum interest rate of loans should not be higher than 36%. For the part exceeding 36%, the borrower has the right to ask the lender to return it. The people's court takes a neutral attitude towards the part below 36% but above 24%. If the borrower is willing to pay, the people's court will not stop it. The people's court shall protect the part below 24%.

Hello, there are many platforms for borrowing money online at present. I suggest you pay attention to two factors when choosing. First, choose a trustworthy brand; Second, we should pay attention to the clear and transparent service items of loan products, such as loan amount, loan interest rate, repayment time and repayment method. Only by choosing reliable loan products can you meet your urgent need for money and ensure that your personal interests are not infringed.

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). The daily interest rate of money consumption loan is as low as 0.02%, which has the characteristics of simple application, low interest rate, fast loan, 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.