Unreliable. Such behavior is a routine loan. I suggest you be careful. Regular loans will not charge any additional fees.

1. Basic information of 77 credit loan.

The loan amount of 77 installments is between 1,000 and 5,000 yuan, the loan period is 21 days, and the age requirement is between 22 and 50 years old. The application materials are relatively simple, as long as basic information such as identity documents and mobile phone numbers are required. .

2. 77 credit loans are not subject to personal credit reporting.

There is no credit check for 77 installments, but it is connected to some third-party credit information platforms, so it is not recommended that you easily overdue your loan. If the loan is overdue, your credit will still be affected and overdue interest will be incurred. At that time, there will be reminder contacts, which will affect your daily life.

3. The beheading interest is an unreasonable loan.

“Capital interest” often occurs in private lending. In order to protect their legitimate rights and interests, debtors should pay attention to retain relevant evidence, such as call recordings, chat records, etc., to prove that there is indeed “capital interest”. ".

Legal Basis

"Contract Law of the People's Republic of China"

Article 200 Interest on loans shall not be deducted from the principal in advance. If interest is deducted from the principal in advance, the loan shall be returned and interest calculated based on the actual borrowed amount.

Article 206 The borrower shall repay the loan within the agreed time limit. If there is no agreement on the loan period or the agreement is unclear, and it cannot be determined in accordance with the provisions of Article 61 of this Law, the borrower may return the loan at any time; the lender may urge the borrower to return the loan within a reasonable period of time.

Article 207 If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant national regulations.

"Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases"

Article 27 The amount of the loan stated in the IOU, receipt, IOU and other credit certificates, generally Recognized as principal. If interest is deducted from the principal in advance, the people's court shall determine the actual loan amount as the principal.

Article 29 If the borrower and the lender have an agreement on the overdue interest rate, the agreement shall prevail, but shall not exceed the annual interest rate of 24%.