One way for us to judge whether a loan company is formal is to see if it will be misused. Borrowers are generally concerned about whether to charge fees in the early stage of the loan. Many netizens asked if there was a loan platform that didn't have to pay upfront fees. Simply put, there is no loan package, but one has no upfront payment. Today I summarized some for your reference.

Zunxiangdai

The difference between a long-term large loan owned by Youhuahua and Iman loan is that prepayment is subject to penalty interest, and the amount is higher. Generally speaking, there is a few minutes to several hours of audit time, and there is a penalty of about 2% for early repayment, as long as the age is above 18 and the personal credit is good.

Manyidai

The biggest feature of the mobile phone loan platform that can be borrowed and repaid is that it supports early repayment, the interest is calculated on a daily basis, and there is no charge for the follow-up of early repayment. You must be 18-55 years old, a registered user, and have a stable job and good credit to apply.

spend money on minor purchases

Zhaolian Consumer Finance's small loan platform, the applicants are mainly young people. The loan amount is generally within 10000 yuan, and the number of installments 1, 3, 6 and other options. Office staff should be between the ages of 23 and 40, with full-time college education or above.

Weichedai

Weizhong Bank's auto loan application threshold is very low, and there is no limit on registered real estate income. You can provide a driver's license, authenticate personal information, provide a bank card and my ID card, and wait for approval. The specific loan interest rate is related to personal qualifications.

A shot in the locker

Alipay's mini small loan product Alipay APP, click on "My"-"Ant Member" in turn, and you will see the entrance. The loan period is only 7 days, and the amount is 500 yuan. The next payment is very fast.