Legal, 0.05%. According to Ping An Pratt & Whitney official website, Ping An Pratt & Whitney Loan is a legally registered financial company, which belongs to a financial technology company under the Ping An Group of China. It has a high reputation and influence in China financial market, and is considered as a formal financial company. Ping An Pratt & Whitney Loan is a daily interest-bearing product. The daily interest rate of 0.05% is determined by Ping An Pratt & Whitney according to the market interest rate and its own operating costs to meet the short-term capital needs of borrowers.