However, Anyihua has strict credit requirements for users. If the user has overdue behavior, the possibility of successfully applying for a second loan is very small. If the overdue days are less than two days, the possibility of successfully applying for a second loan is still very small. However, the loan will not only be slower, but also the loan amount will be smaller.
If Anyihua is overdue for more than three days, Anyihua will report the overdue record to the personal credit information system and record it in the online financial big data. It will have a great impact on the overdue person's personal credit information. Overdue people can not only borrow from other online lending platforms, but also find it difficult to apply for loans from financial institutions online.
Anyihua is a more reliable formal online lending platform as long as it can guarantee timely and full repayment. Its specific performance is as follows:
(1) An Yihua's loan is a pure credit loan, which does not require the borrower to provide mortgage and guarantee, and will not "routine" everyone's mortgage and guarantee like a fraud platform.
(2) Anyihua can apply for a loan only by providing necessary information such as ID card, bank card and mobile phone number of real-name registration system. No additional personal information will be requested.
(3) According to the user experience, Anyihua's loan interest rate does not exceed 36% stipulated by law, and it does not belong to usury. And there is almost no violent collection.