Hello, in the formal online loan borrowing and produce late behavior, online lending platform through the phone, SMS and other ways to collect, and is not considered illegal. Formal loans are to be linked to the personal credit situation, borrowing applications to check the credit situation, such as late repayment, will have a negative impact on personal credit, it is recommended that you loan within the limits of your ability to repay on time to maintain credit.

Now there are so many lending platforms, if the loan is recommended to choose a large platform, can protect the funds and information security, loan use more assured. We recommend that you use the rich flower, the credit service brand under the degree of Xiaoman Finance (formerly known as: Baidu rich flower, renamed "rich flower" in June 2018), with simple application, fast loan, flexible borrowing and repayment, interest rate transparency, security and other characteristics. The interest rate starts from as low as 0.02%, and the click test amount can be up to 200,000 dollars.

Share with you the application conditions of the rich flower: the application conditions of the rich flower is mainly divided into two parts: age requirements and data requirements. The first is the age requirement: between 18-55 years old. The first thing you need to know is that you can't afford to pay for the cost of the loan, so if you're a college student, you'll have to give up applying for the loan. Second, data requirements: the application process requires your second-generation ID card, my debit card. Note: The application only supports debit card, the application card is also your borrowing bank card. My identity information needs to be second-generation ID information, you can not use a temporary ID, expired ID, a generation of ID cards to apply.

This answer is provided by the money flower, please according to the need to reasonable borrowing, specific product-related information to the money flower official APP actual page shall prevail. I hope this answer is helpful to you.