5 1 personal loan is a formal and legal online loan platform. I introduction to the platform 5 1 renren loan is a p2p lending industry, which provides loan matching services for users. The full name of the company is Hangzhou Niu Yi Network Technology Co., Ltd., which is a wholly-owned subsidiary of 5 1 Credit Card. It was established in Hangzhou on May 20 15. At present, 5 1 loan is still in normal operation, and there is no difficulty in payment. The loan interest rate is around 6.38%. 1, background, 5 1 Personal Credit Card is a wholly-owned subsidiary of 5 1 Credit Card, and 5 1 Credit Card (Hangzhou Enniu Network Technology Co., Ltd.) was listed on the Hong Kong Stock Exchange on July 20 18, and the listed company has a strong background. 2. Bank deposit, 5 1 credit is deposited by Bank of Beijing to ensure the safety of users' funds. 3.5 1 personal loan adopts intelligent risk control and has a high-quality intelligent risk system for big data samples to ensure the safety of users' investment and loan. 14 and 5 1 personal loan targets are divided into batch targets and personal worry-free targets, and purchase targets, platform recharge and cash withdrawal are free. 5. The loan interest is between 6. 1%- 12%. If the interest on the loan through the platform is not high, the loan will generate a service fee, and the monthly service fee charged to the borrower will start from 0.8%. Second, the 5 1 credit card is everyone's credit card, which records the past credit records of each month. If you borrow money from banks and third-party financial platforms, you will look at the credit record. If you have a bad record, it is difficult to borrow it. 1 If the overdue time is long, the overdue amount is large, and the user has not been returned for many times, the platform will upload the bad repayment record to the credit information system, which will not only upload the credit information, but also have the following consequences. 1, will generate penalty interest, and 5 1 will generate high penalty interest and late payment fee after the credit is overdue. 2. Telephone collection. Once overdue, the platform will contact the borrower himself and the third-party contact person left by the borrower's loan to urge the borrower to repay. The frequency of daily collection is very high. 3. For malicious loan fraud users, the platform will take judicial channels to help pay back the money. According to Article 680 1 of the Civil Code of People's Republic of China (PRC), high-interest loans are prohibited and loan interest is determined. The loan interest rate shall not violate the relevant provisions of the state. Provisions of the Supreme People's Government on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If a lender requires the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the market rate of one-year loan when the contract is established. Article 196 of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances, if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. 1 If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; 1 If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Anyone who uses 1 credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

2. Did you receive credit at the 5 1 credit meeting?

5 1 Credit is a credit investigation.

Do not check the credit information when registering in the early stage. It's not like you don't check the credit information. You just need to check your personal network big data. After the line is given to you, as long as you have a loan behavior, you will check the credit information and record it in the credit information.

And as long as you borrow money, a personal loan will regularly check your credit information, which is authorized, also called post-loan management.

5 1 The loan is used for credit investigation.

3. What is 5 1 credit?

5 1 personal loan is a loan platform from which users can borrow when they need funds. The affiliated company is Hangzhou Niu Yi Network Technology Co., Ltd., which was incorporated in Hangzhou on May 20 15 with a registered capital of 50 million yuan and its office is located in Xihu District, Hangzhou, Zhejiang Province.

5 1 Name, marital status, company name, common mobile phone number and two emergency contacts to be filled in on the platform when borrowing personal loans; When borrowing money, you must also authorize 5 1 to read the user's mobile phone address book and call records. You can get a loan after you meet the conditions.

5 1 After the personal loan is lent, the user needs to repay it on time, and there should be no overdue repayment. Default interest will be generated after overdue repayment, and overdue records will be uploaded to the credit information center. After the personal credit information deteriorates, it is difficult for users to borrow again, and borrowing through banks will also be rejected.

After 5 1 individual loans overdue, the platform will collect the money, and the borrower will be collected when the overdue period begins. At this time, timely repayment will not have any impact. If you don't pay back, call your friends in the borrower's address book and ask them to urge you to repay. This kind of collection will seriously affect your normal life.

4.5 1 word loan is true?

5 1 personal loans are real, but large loans are slow.