According to the information of licensed financial institutions APProved by the China Banking Regulatory Commission, Happiness Flower app is a personal credit consumer loan app launched by Hebei Happiness Consumer Finance Co., Ltd. The "Happiness Flower" product launched in the first phase provides users with professional financial services without mortgage, guarantee, online approval, recycling and up to 200,000 yuan of credit. Flexible use: Flexible repayment can be divided into 3 installments, 6 installments and 12 installments to meet your different capital needs. Intelligent pricing: the system automatically gives differentiated pricing according to the risk level of customers, and the annualized interest rate (simple interest) is 8.9%~24%.