Salary-saving loan is operated by Suning Consumer Finance Co., Ltd. and is relatively reliable.

Salary-saving loan is an independent financial credit product. Its loan limit and usage qualifications are not exclusive to other products under Suning Consumer Finance. At present, the maximum amount that can be applied for is 200,000 yuan, and the use period can be up to 12 months. In terms of interest, if you apply for 9,000 yuan in 9-month installments as an example, the monthly repayment amount is about 1,153.79. Generally, after submitting an application for a provincial salary loan, the entire process is automatically approved by the system. There is no callback. If the application is approved and there is a limit, the account can be credited on the same day.

Suning Consumer Finance is also an institution that checks credit, and its requirements for credit and big data are relatively strict, so generally users with poor credit can wait until their credit is cleared before applying. In addition, borrowers also need to be between the ages of 18-60 for men and 18-55 for women, and have a stable job and source of income before they can apply.

Notes on online loan borrowing:

1. Do not pay any fees before taking the loan

Many people have encountered this when applying for a loan online Situation: Before the loan is obtained, the other party requires payment of handling fees, interest, security deposit and other fees. In fact, this is a common trick used by scammers. Everyone must be careful. Regular loan companies charge interest, handling fees and other fees after issuing loans.

2. For online small loans, please pay attention to the company qualifications first

The business license name of a regular small loan company must contain the words "small loan", and you can log in to the provincial enterprise credit Information disclosure system verification. Secondly, formal small loan companies “only lend but do not deposit”. Finally, you can check the registered capital of the company. If the amount is too small, less than one million, be careful. If you only enter a mobile phone in the contact number column and do not enter a landline, it is also very suspicious.

3. Online loans should pay attention to whether the platform holds a financial license

Whether the loan platform has been approved by the China Banking Regulatory Commission and whether it holds a financial license. If it is a small loan platform that does not have a financial license, it is generally informal and it is best for customers to avoid it in case they encounter loan fraudsters and fall into a loan scam.

4. Precautions for online loans: on-site inspection

The simplest and most practical method is that those in need of funds can go to the website company for an actual inspection. After understanding the size of the company and other issues, you can decide whether to apply for a loan through this platform.