First, the method to judge whether the lending institution is reliable.
If you want to know whether the lending institution is reliable, you must first know whether the company has passed the evaluation of the CBRC. The business licenses of regular small loan companies all have the words "small loan", which can be verified by logging in to the enterprise credit information publicity system. The lending institution will decide the time of your next payment according to the user's qualification and the loan amount applied. If the credit is good and the information is complete, the next payment can be made on the same day. Interest rates are too low to be reliable, and too high is usury. The new Private Lending Law stipulates that the annual interest rate of loans is protected within 24%, and it is illegal to exceed 36%. Everyone must remember. Some lending platforms have a fixed way of lending products and cannot choose. This will make users feel very passive, because different repayment methods can make users better adjust their economic situation to deal with it.
Second, a more formal loan platform.
Borrowing is a loan product launched by Alipay platform. At present, it is open by invitation. Alipay platform provides borrowers with loan lines ranging from 1 0,000 yuan to 300,000 yuan through comprehensive analysis of users' sesame credit scores and personal credit information. At present, Weizhong Bank's first credit loan product also adopts the open way of invitation system. Only when the conditions are met can the loan entrance be seen. If the loan conditions are met, the loan is relatively easy. The system automatically evaluates the loan, and the loan can be received as soon as the same day.
Although there are many loan platforms, don't apply blindly. It is best to live within our means and spend within our own economic capacity to avoid increasing the economic burden. If you borrow money, you must repay it on time and maintain a good personal credit.