The platform lends money by itself and has the money to cooperate with banks, microfinance companies and consumer finance. If the credit report records the bank loan record, then the rich flowers are borrowed by the bank. In addition, loan records and repayment records with money are all on the credit report. If the user fails to repay, there will be overdue records uploaded to the credit report, resulting in poor personal credit report.

There is no need to repay on time, otherwise the overdue records will affect personal credit, resulting in users being unable to handle credit business in the future.

Is spending money a formal loan platform?

Having money to spend is a formal platform for borrowing money.

Qianhua is a credit loan product owned by Xiaoman Finance, which is a financial institution owned by Baidu. Having money to spend is mainly to provide users with credit loan services, and they can apply for loan funds without mortgage.

1. From the lender's point of view: Yiman Loan in Qianhuali is a credit product jointly launched by the government and other banks, indicating that the lenders behind Qianhuali are mainly banks, and the sources of funds are relatively formal;

2. From the platform background: money belongs to Baidu, and Baidu itself belongs to a big brand;

3. Compliance: Money has been connected to the central bank's credit information system, and the issuance of each sum is strictly controlled.

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Based on the above, having money to spend belongs to a relatively formal lending platform. However, when users apply for loans, they still need to pay attention to information such as loan interest to avoid other unnecessary cost problems.

Application description:

1. APPlication entrance: Users can apply through Qianhua APP and Baidu Wallet APP, or enter "My" through Baidu APP, Baidu Map APP, Baidu Post Bar App and Baidu Cloud Disk App and click "Qianhua" or "Borrow Cash" to apply, or use Baidu to search for keywords such as "Qianhua" and "Baidu Qianhua" to apply in official website.

2. Loan process: fill in the information-obtain the quota-apply for the loan-receive the loan in real time.

3. Application threshold: provide my second-generation ID card and my bank card. Baidu registered users of age 18-55 can apply. The information is true and the credit record is good, and a higher amount will be obtained after approval.

4. Repayment method:

1) Manual repayment: Repay according to the repayment date of the IOU, and bind the savings card in Baidu wallet to complete the repayment;

2) Automatic repayment: automatic repayment is turned on by default, and the result of automatic repayment is based on the time when the actual bank card payment is successful;

3) Prepayment: Prepayment is supported and no handling fee is charged;

5. Repayment date:

The repayment date in the IOUs shall prevail, and the repayment dates of multiple IOUs may be different.

6. Penalty interest:

If the bill is overdue, the system will charge overdue penalty interest at the interest rate agreed in the agreement and submit it to the Credit Information Center of China People's Bank. It is recommended to repay the loan on time and maintain a good personal credit record.

Is it reliable to spend money

Xiaoman is a formal and reliable financial technology company, and everyone can use it with confidence.

For borrowers, the first step for us to apply for loans is to choose a formal and reliable platform. To judge whether a platform is formal, we must first look at whether it has relevant qualifications. The legitimacy of financial institutions can be inquired through the enterprise credit information publicity system.

In addition, whether it is reliable can be judged by the platform's loan threshold and platform tariff. Qianhua is a loan product that provides users with credit lending services.

The user group targeted by Youhuahua is1non-student group over 8 years old. Eligible users can download Youhuahua APP to apply for loans online. After the user submits the loan application, the system will examine and approve the loan application submitted by the borrower, mainly to comprehensively evaluate the borrower's age, income and personal credit information. When the evaluation results meet the internal lending conditions of Youhuahua, the system will arrange lending.

The maximum loan amount provided by Youhuahua is 200,000 yuan, and the minimum daily interest rate of the loan is 0.02%, that is, the loan is 6,543.8+0,000 yuan, and the minimum daily interest rate is 2 yuan. The product is supported by borrowing and returning, and there is no penalty interest for early repayment. It is understood that apart from the normal loan interest, there are no additional fees, such as guarantee fees and service fees. Of course, if the user has overdue behavior in the process of using money, the platform will charge an overdue fee at 0.5 times the normal interest rate of 65438+.

Note: At present, all lending institutions with money to spend are licensed financial institutions such as banks, such as Huaxia Bank, Nanjing Bank, Agricultural Bank of China and baixin bank. All these institutions will receive credit information at the meeting. Therefore, after users apply for loans through the platform, they should keep good repayment records and never do overdue things, otherwise it will not only generate high overdue fees, but also affect personal credit information. Once the personal credit information is overdue, other credit businesses will be affected later.

To sum up, Du Xiaoman is a formal and reliable Internet finance company, and its money is also a formal lending platform. Users with financial needs can apply for loans through Qianhua APP.