Hello, I suggest you choose a formal platform loan. Spending money is a formal microfinance platform. It is the original Baidu financial credit service brand (formerly known as Baidu Qianhua). Pure online application, no mortgage, simple application materials, the fastest approval in 30 seconds, and the fastest loan in 3 minutes. It can be repaid in advance, and the loan can be recycled after repayment. It has the characteristics of simple application, fast loan, flexible loan repayment, transparent interest and expenses, and strong security. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.