Reliable.

We can analyze whether Xinerfu loans are reliable from the following aspects:

1. Platform background: Xinerfu is a financial technology company listed on the New York Stock Exchange. Certain economic strength.

2. Bank depository: Bank of Shanghai has been launched as a depository bank, but Bank of Shanghai is not in the whitelist of depository banks.

3. Loan products: Xinerfu launches small-amount loans, which is conducive to risk diversification.

4. Borrowing interest rate: The daily interest rate of Xinerfu Cash Loan is 0.06, and other fees will also be charged, so the interest rate is on the high side.

5. Collection situation: Xinerfu's collection is now relatively formal, and collection is basically done in the form of text messages and phone calls, and no violent collection will be carried out.

Small loans are comprehensive consumer loans focusing on individuals or businesses. The loan amount is generally more than 10,000 yuan and less than 200,000 yuan. The application process generally requires a guarantee. Microfinance is an extension of microfinance in terms of technology and practical application. Microfinance in China: mainly serves agriculture, rural areas and farmers, and small and medium-sized enterprises. The establishment of small loan companies reasonably concentrated some private funds, standardized the private lending market, and also effectively solved the financing difficulties of rural areas, farmers, and small and medium-sized enterprises. Currently, there are also personal small-amount loans provided for office workers, generally ranging from 1,000 to 50,000 yuan. Most of them do not require collateral, but credit and information review are strict.

Notes

1. Although it is called a small amount, it is also a loan. All loans, whether bank loans or private loans, require you to have the ability to repay. In other words, those who claim to lend you money without any conditions must be scammers or swindlers.

2. In addition, many people ask whether they can get a loan if they have an ID card. You can renew your ID card at any time. Even if you use your ID card, regular lending companies will not lend you money.

3. How to distinguish illegal institutions when choosing a lending institution

Look at the interest rate. If it is more than 4 times higher than the benchmark interest rate for the same period, it is already illegal.

Check whether there are any fees before disbursing the money. If you are charged in the name of various handling fees and interest and the loan is delayed, there is likely to be a problem

Paying interest on remittances and charging for various reasons before disbursing the money. , interest rates are too high, no contracts are signed, and other suspicious signs

You need to pay attention to the above issues. Don't take any chances. No one will lend you money without the ability to repay.