With the continuous development of economic level, when people's needs do not meet their own economic level, they will borrow money from financial institutions such as banks and other units and individuals, or enterprises will borrow money from financial institutions such as banks and other units to solve their urgent needs. With the development of peer-to-peer lending, it is also well known to the public. The used ones will be reused, and the unused ones will worry about "Is the auction loan legal?"

Is the loan legal? Of course, the answer is yes. In 2007, Paipai Loan was established in Shanghai. As a company that has been listed for four years, it has accumulated more than 65.438+0.2 billion users. As the first Internet financial platform in China specially approved by the industrial and commercial departments, licensed with "financial information service" as its business scope and recognized by the government, it has established a safe, efficient and transparent Internet financial platform with advanced concepts and innovative technologies.

Is the loan legal? Since its establishment, Paipai Loan has been shouldering the historical mission of "science and technology make finance better", following the essence of finance, taking data as the cornerstone, and providing users with the most convenient loan matching service with innovative technology to help inclusive finance develop and China. At present, the loan services of Paipai Loan Technology Group include general loans and other loans for individual users, and the loan process has been highly automated.

In the fiercely competitive financial technology market, paipaidai realizes the importance of technology investment to the sustainable development of enterprises. Therefore, the auction loan has been continuously explored in terms of technology and intelligence, continuously invested in financial technology and smart finance, and developed a "magic mirror" big data risk control system that integrates advanced technologies such as big data, cloud computing and artificial intelligence. At the same time, big data analysis and artificial intelligence as core technologies are also applied to credit review, risk control, precision marketing and intelligence.

Is the loan legal? Now, I believe that even people who have never used faster loans are clear. As a formal and legal financial technology company, there is no need for too much pressure when auctioning loans. Just remember that you can repay the loan on time.

Related Q&A: I owe an auction loan of 4,000 yuan, which has not been paid back for two months. How should I pay back 65438+ ten thousand yuan now? According to the relevant channels, there are three registered companies, namely, Shanghai Paipai Loan Financial Information Service Co., Ltd., Shenzhen Paipai Loan Financial Service Co., Ltd. and Hefei Paipai Loan Information Technology Co., Ltd., and the headquarters of Paipai Loan is located in Shanghai.

They belong to the category of Internet finance. According to the known information, it belongs to an enterprise with a formal industrial and commercial business license, and is a legal enterprise supervised by the local financial office and the banking insurance supervision. Pat loan is the earliest originator of P2P. Upon inquiry, Shanghai Paipai Loan Financial Information Service Co., Ltd. involved 7 copies of court announcement and more than 0 copies of judgment document 100. Shenzhen Paipai Loan Finance showed 4 abnormal households and 3 abnormal operations. Hefei pats the loan to display normally.

In fact, the above three companies have called for a gradual withdrawal from the online lending platform in the corresponding countries. The reason why the debt is still being collected may be the final debt clearance, or the debt has been packaged and sold to other asset management companies. The current payee can also be the personnel of these asset management companies.

So what you need to do now is to negotiate first. You need to repay the principal you owe others. After all, you have to spend the money, and then the interest is acceptable within the scope permitted by national laws. As for 65438+ million, these are all bullshit. If there is any threat or harassment, I suggest you call the police directly. But then again, for the principal of 4000 yuan, the cost of debt collection is too high, and the other party is at most a phone call and a phone number.

The above is the information about official website, which is very good. It's about inclusive finance, but I advise you not to touch online loans. Once in contact, don't hesitate to get out as soon as possible. If there is a loan demand, go to a regular bank, not to mention the high entrance of the bank. Many banks have different credit products for different customer groups. One bank didn't ask for a second one, or some small and medium-sized banks and village banks didn't have high thresholds, and the interest rate was within the reasonable range of state guidance.