When applying for a loan again, Yirendai will review it according to the applicant's past loan use, repayment record and personal credit information. If it meets the requirements of pleasant loan, then pleasant loan can apply for a loan again. If the personal qualifications do not meet the requirements of pleasant loans, it is impossible to apply for loans again. It should be noted that the loan requirements for pleasant loans are still relatively strict. If the personal credit report has a bad record or personal exposure is too much, then it is definitely impossible to borrow after the pleasant loan is paid off. It is suggested to maintain good personal credit, reduce debt, and then try to apply for a loan, which has a great chance of passing.

On July 2065438+2009 1 1, Yirendai successfully completed some business restructuring with CreditEase, and will carry out brand-new brand upgrade. The new brand is called YirenDigital. Yirenmenke also announced that it has reached an acquisition intention with Daokou Loan. Daokou Loan is a supply chain financing platform initiated by a subsidiary of Tsinghua Holdings and based on the research results of Internet Finance Laboratory of Tsinghua University Wudaokou Finance College.