Ping An Smart Loan is a loan in Ping An Pocket Bank app. It belongs to a micro-loan product for online users launched by Ping An Bank, with a maximum amount of 50,000 yuan. Different users get different credit lines when applying. Generally, you can get more credit lines under the condition of good personal credit, but users must return them on time when applying for loans, and they cannot be overdue.

Ping An Smart Loan Application Conditions (Take Ping An Pocket Bank Version 5.7.0, Apple 1 3 (iOS15.3.1system) and Huawei mate40(HarmonyOS2 system) as examples):1,and the borrower is 22 years old (inclusive). 2. Have a valid second-generation resident identity card; 3. Have the ability to repay loans on time; 4. Personal credit information is good; 5. Other conditions required by Ping An Bank.

It should be noted that if Ping An Smart loans overdue is returned, it will generate penalty interest. The longer it is delayed, the more penalty interest will be generated. After it is overdue, it will be uploaded to the credit information center, which will lead to poor personal credit information and affect the subsequent handling of various loans, such as car loans and mortgage loans.

In order to avoid not being able to repay on time, users should know in advance what kind of income to use when applying for loans. If the personal income is not much, they should handle the loan carefully. In fact, in the case of a small loan amount, users can borrow money from friends around them and return it to friends later, so as to avoid interest expenses.