How long does it take to get a loan from Miaola? How do I repay it? Do I need to submit a credit report?

How long does it take to get a loan from Miaola?

How long does it take to get a loan from Miaola? Everyone has heard that Youwodai is currently a relatively well-known P2P platform, while Miaola Loan is a credit loan branch of Youwodai. As long as you are a legal citizen between 18 and 40 years old and have a high Zhima Credit score, you can provide your relevant identity certificate and real-name mobile phone number to authorize Zhima Credit to lend to you and me for loans.

According to the current introduction, the loan amount of Youwodaimiaola is a small loan, between 1,000-5,000, and the loan period can be selected from three months: 1/2/3 months. After the information is submitted, you will Real-time review. Many users are also very concerned about the review time of Niwodai.com. According to Niwodai’s official website, after a borrower submits a loan application, as long as the submitted information is complete and there are no problems, it will usually be processed within 1 working day, and it will be postponed during holidays. , a text message will be sent to notify the borrower if the review is successful.

You and I Loan Miao La Repayment

After You and I took out the Miao La loan, many users were anxious because they did not know how to repay and were worried about overdue payments. In fact, You and I The repayment method of the loan is very simple. As long as the user downloads and installs the Youwodai.com APP, he or she can directly recharge the current month's repayment amount into the account before the monthly repayment date, or the borrower can repay the loan. It is also possible to automatically deduct repayment through the bound bank card, and Youwodaimiaola supports early repayment.

Do you and I need to apply for a credit report in a second?

Once the borrower's funds are unable to circulate, the most worrying issue is that his overdue situation will affect his credit report. It is understood that at present, your loan is not subject to credit reporting, but an overdue loan is not the only consequence that will leave a stain on your credit report. Overdue repayment on your loan, Miaola, will also have many serious consequences.

1. If you repay overdue, you will definitely be called for collection. As long as you and I fail to repay the loan overdue, we will be collected, which will definitely affect your normal life.

2. Although You Wo Loan is not currently on the credit report, the borrower authorized Sesame Credit when he loaned You Wo Loan. Therefore, once it is overdue, Sesame Credit will definitely be affected and may even be uploaded to the Internet. blacklist.

3. Another thing that is certain is that once the borrower is overdue, overdue fees will definitely be incurred. Generally, overdue fees will not be a small amount. Will your loan be subject to a credit check?

It will not affect your credit report. Currently, your loan and our loan are not listed in the central bank’s credit report system. Youwodai is an Internet lending platform. It has many financial products and also provides loan services. Relatively speaking, its security is quite reliable.

Currently, Youwodai will include malicious overdue borrowers in the blacklist of the national personal credit rating system and will not be listed in the central bank's credit reporting system.

But the borrower still has to repay the loan on time. If the borrower fails to repay the loan on time, he may face high overdue interest, phone collection, etc., and his life and family and friends around him will also receive a huge loss. influence.

Youwodai, the leading online P2P credit investment and financing platform in China (a type of Internet financial ITFIN product), is a practitioner of financial reform and focuses on the capital development needs of small, medium and micro enterprises, self-employed individuals and farmers. It has long been committed to the construction and improvement of the national credit system. It was successfully listed on the Nasdaq Global Select Market on May 10, 2019.

Youwodai is an online lending information intermediary platform that was officially launched in June 2011. The mobile APP was launched in 2014. Currently, Niwodai is operated by Shanghai Niwodai Internet Financial Information Service Co., Ltd., with a registered capital of 550 million yuan, aiming to provide users with efficient, transparent, safe and convenient Internet financial services.

Youwodai insists on small-amount decentralized loan business, and its services have covered more than 100 cities and regions in nearly 30 provinces and cities across the country. The loans matched by the platform are mainly for renting and decorating, electronics and digital, tourism, etc. Mainly consumer loans.

Youwodai P2P online lending platform was established in June 2011. It is a pure third-party online credit investment and financing service platform. As a third-party service platform, Youwodai neither absorbs deposits nor lends money. It only provides a series of related services such as credit consultation, review, recommendation and fund allocation docking, building a bridge for fund allocation between investors and borrowers. The Niwodai platform is independently constructed and operated by Shanghai Niwodai Internet Financial Information Service Co., Ltd. Is your loan available for credit reporting?

Currently, your loan is not connected to the central bank’s credit reporting system. Therefore, you and I will not get a credit report for our loan. Of course, many lending platforms are now gradually connecting to the central bank’s credit reporting system to make borrowers’ information more transparent. In the future, Youwodai may also be connected to the central bank’s credit reporting system. I hope everyone can repay on time and avoid overdue payments.

Leave aside the central bank’s credit report, there is another consequence of an overdue loan to you and me, which is that it will affect your Sesame Credit. You and I loan need to authorize Sesame Credit during the loan application process. Therefore, when your loan is overdue, it will definitely be displayed in the Sesame Credit probability. Everyone should be very clear that Zhima Credit is a third-party credit system. Nowadays, many online loans have been connected to the Zhima Credit system. Regardless of whether you or I can get a loan, we should repay it on time to avoid future problems. life brings trouble.

Are you right? She has earned all the interest. No one cares about this