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Is Spending Seconds a Formal Lending Platform?
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Seconds is a formal loan platform, but it is not full. When choosing a loan platform, you should check whether it is formal.

After submitting the loan application, we will recommend matching lending institutions, banks or financial institutions for further services and loans. All loan applications will never be charged any fees before the loan is successful. In order to ensure the safety of your funds, please don't believe any false information such as information, emails and telephone calls that require you to pay fees. The loan amount and lending time shall be subject to the actual approval result of the funder.