First, the interest rate is still a bit high.
The annual interest rate of 14.8% is still very high compared with applying for a loan from a bank. According to the benchmark loan interest rate of most domestic banks, it can be seen that if it is a short-term loan, that is, if the loan term is within one year, the loan interest rate is 4.35%; If it is a medium and long-term loan, the loan interest rate is 4.75%; If it is a long-term loan, the loan interest rate is 4.9%; If it is a personal housing provident fund loan, it depends on whether it is the first loan or the second loan. However, under normal circumstances, every bank will adjust this range up and down, and the highest can reach more than 6%, so the loan interest rate is much higher than that in bank loans.
Second, you can choose bank loans.
In fact, in different banks, interest rates are still different. So it would be better if you can choose a bank loan, but in this process, sometimes you can apply for another bank if you don't like the high loan interest rate of one bank. The loan interest rates of the two banks are usually different.
Third, you should estimate your repayment ability.
Under different circumstances, everyone's repayment ability is different. If you don't have such a high repayment ability, the pressure will be great after applying for a loan, so it's best to estimate your repayment ability and apply for a loan according to your repayment ability. Because once this loan is connected with the credit information, your credit information will be affected in this case.