1. The application threshold for voluntary payment in Suning.cn is low. As long as the borrower is a citizen of mainland China aged 18 to 60, he can apply for voluntary payment in Suning.cn;
2. Suning.cn's discretionary payment supports borrowers to withdraw cash, which can be applied online or offline;
3. The maximum amount of disposable consumption in Suning.cn can reach 200,000 yuan to meet consumer demand;
4. The repayment method of voluntary payment in Suning.cn is more flexible, and the repayment pressure of borrowers is less, and the installment period can reach five years;
5. Suning is willing to pay 0 down payment, 0 interest and 0 handling fee for the designated goods, and the borrower can enjoy a super discount;
6. The discretionary payment in Suning.cn can be applied for and lent at any time, and the borrower can use the discretionary payment in Suning.cn quickly.
Product introduction
Arbitrary payment is the first financial product launched by Suning Consumer Finance Co., Ltd. Compared with traditional banks, arbitrary payment has the advantages of low threshold, high quota and long cycle. Free payment provides users with 30-day interest-free loans and installment payment, and realizes self-service such as online application, consumption and withdrawal, with a maximum amount of 200,000 yuan.
Arbitrary payment does not yet support the purchase of virtual products and financial products. Renxingfu is a personal consumption staging brand under Suning Finance. As a staging platform of Suning, Renxingfu relies on Suning's ecological circle to continuously open up 3C, home improvement, home, department stores, fast-moving and travel scenes, and provide consumer inclusive+value-added financial services for Suning's online and offline omni-channel members, helping hundreds of millions of users to upgrade their quality of life.
Interest-free Mall is an interest-free mall specially designed for financial users in Suning.cn and Suning. Free-of-charge members can purchase products and services such as mobile phones, communications, digital products, home appliances, beauty cosmetics, maternal and child products, supermarkets, department stores, decoration, etc. in the mall, and enjoy "free-of-charge installment". At the end of February, 2020, Ren Zhifu launched 24 interest-free subsidy activities before the "315 National Rejuvenation Festival" in Suning.cn, and the core explosive products of all categories enjoyed the highest interest-free 24 periods, fully helping Suning users to renew and upgrade. Consumers from Apple mobile phones, Huawei mobile phones, Dyson hairdressers, Midea air conditioners, sea ice washing and other brands are sought after to achieve full coverage of top single products. During the event, 24 interest-free payments accounted for more than half, and the overall interest-free ratio exceeded 95%.
Since then, it has become the norm to pay the highest 24 interest-free activities, buy good things in installments, and have zero burden on shopping, so that more users can enjoy the convenience and benefits brought by Suning's financial inclusive services.