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Is Jinniu Microfinance Co., Ltd. formal?
It's very formal, but the loan fee and interest are high.

Lending is risky and requires careful choice. Generally, small loan companies are in the form of usury, and the amount they can lend is not high. If they are qualified, they can go to the bank for loans, so their own interests are relatively low and their risks are low.

Loan terms:

1: China citizens with full capacity for civil conduct and permanent residents with local temporary residence permits or residence permits.

2. In terms of personal credit, there should be no illegal acts and no other overdue acts.

The most important thing is to have a fair and stable economic income and repayment ability.