According to the inquiry and applause of Caijing.com, Renren.com believes that the loan is formal. When the lender encounters special circumstances or natural disasters and is in urgent need of money, Renren can use the loan. If it is a housing loan or a decoration loan, no loan will be issued. Professionals will pay a return visit to the loan at the later stage of use. Although the loan method is flexible, its use is relatively limited. So when you really have an accident and really need money, everyone's loan may not be the only one but it will be a better choice. Does everyone believe that the loan is formal? To sum up, it is legal and formal.