It's not easy. Xiaoya Loan is a formal platform, and Xiaoya Loan is a micro-loan business issued by iQiyi. Xiaoya Loan is a legal financial service platform registered by the state. Xiaoya loan is connected with the central bank's credit information, and Xiaoya loan application will be inquired. After the successful application, the loan record of Xiaoya Loan will be improved in the loan information content of the personal credit report, and black households cannot borrow money through iQiyi Xiaoya Loan.