How about the Youqianhua loan?

The Youqianhua loan is very good

1. Youqianhua is a loan opening recently launched by the online loan platform , the current open loan limit is between 800 yuan and 5,000 yuan, and it is a very good loan product if you have money but can’t afford a credit check. However, Sesame certification is required, Sesame credit score needs to be above 560 before you can apply, and the user must be between 22 and 55 years old. The repayment time is relatively short, only 15 days, and the interest is relatively low, with the daily interest rate being only 0.03%. It is very simple to apply for Youqianhua. You only need to register on the Youqianhua APP using your real-name certified mobile phone number. After providing your ID card and bank card information, you can pass the loan review in as little as half an hour.

2. Baidu Youqianhua, also called Youqianhua, is a credit service brand under Duxiaoman Finance (formerly Baidu Finance). It mainly provides services for the public’s personal consumption credit. It has many It has strong brand strength in Beijing and is a formal credit platform. Youqianhua mainly relies on big data and AI algorithm capabilities to build anti-fraud and credit risk models, control risks in multiple dimensions, and can easily apply for the entire credit business process. If you want to get a loan with money to spend, the loan interest rate is relatively low, and the disbursement speed is relatively fast. Borrowers can choose flexible repayment methods. If you want to use a credit card to withdraw cash, the daily interest rate is mostly 0.05%. For example, if you borrow 10,000 yuan, the interest rate is 5 yuan per day. Compared with a credit card, the daily interest rate of Yiqianhua-Manyidai is as low as 0.02%, and the interest rate on a loan of 10,000 yuan is as low as 2 yuan per day. The specific interest rate is displayed on the page as Accurate

According to Baidu customer service, currently Qianqianhua does not support closing

1. You can click to borrow without any operation, then there will be no limit, interest, or loan;

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2. Wait for the quota to expire. Since the Baidu Youqianhua loan quota is valid for one month, if you do not apply for a loan if you have a quota, it will automatically expire in 30 days, and you do not need to apply for credit again;

3. On the basis that all loans have been repaid, contact Baidu Youqianhua manual customer service and apply to reduce the quota to 0 yuan. After the quota is reduced to 0, you cannot apply for the quota again, so be careful after the Youqianhua quota is restored. You can borrow money

The quota will be valid for 30 days after Youqianhua successfully obtains the quota (the minimum borrowing amount is 500 yuan) within the validity period. The quota will be valid for a long time. If the quota is not used within 30 days, it will automatically expire. If you need it later, you can try to apply for the quota again.

Youqianhua Exclusive Loan is a single-use quota, and the quota is valid for a period of time. It is 7 days. If you have successfully borrowed, the remaining quota will be invalid and you need to reapply for use again

Baidu Youqianhua's application quota and each loan need to be reviewed separately, and the loan review will be more stringent. . When all your payments have been repaid, you can retest the limit and apply for a loan. If you find that the limit has not been restored after repaying the loan, one of the reasons is that it will not be restored immediately after a single payment. You must apply for a loan again. The credit limit will be restored only after the entire loan is paid off.

If the page prompts that the comprehensive evaluation has not been passed when withdrawing cash, it means that you have not met Baidu Youqianhua's review standards for the time being. Unable to borrow money; it is recommended that you maintain a good personal credit record and borrowing habits in the future, and protect your account and personal privacy; the system will also update your personal situation from time to time.

Routine Loan" has Very deceptive. It generally uses private lending as a guise, defrauding victims into signing false contracts to inflate debts, forging false evidence such as capital flows, maliciously creating breaches of contract to force victims to continue borrowing to settle accounts, constantly raising debts, and finally through nuisance, entanglement, illegal Violent and "soft violence" methods such as detention and extortion are used to collect debts, and then illegally embezzle the victim's money.

There is a lot of “jargon” in the field of “routine loans”. Zeng Haiyan introduced that the so-called "borrow one and pledge one" means that the borrower borrows 1,000 yuan and actually signs a contract of 2,000 yuan. This is an inflated loan contract; the so-called "head-off interest" means that the borrower borrows 1,000 yuan and needs 300 yuan was cut off as interest, but only 700 yuan was actually obtained. This is one of the ways that criminals charge high interest in disguise.

When the victim is unable to repay, the criminal suspect uses deception or even coercion to arrange for designated affiliated companies, affiliated personnel or himself to sign a new falsely inflated loan with a larger amount with the victim. The contract was "transferred to balance the account" and "repay the loan with a loan", and the debt amount was increased layer by layer. Baidu Wallet has money to spend. My limit is 7,000, but I haven’t withdrawn the loan yet. Do I need to repay it? If I don’t borrow money within the specified period, will I still have it in the next period?

Hello, I have money to spend after applying. The quota has an expiry date. Once you have spent enough money on Yidai and successfully obtained the quota, it will be valid for 30 days. After successfully borrowing any amount (minimum borrowing 500 yuan) within the validity period, the limit will be valid for a long time under normal circumstances. If the quota is not used within 30 days of validity, the quota will automatically expire. If you need it later, you can try to apply for the quota again. ?

Loans are safe, reliable and trustworthy when you have money to spend. "Youqianhua" is a credit service brand under Duxiaoman Finance (formerly Baidu Finance) (original name: Baidu Youqianhua, renamed "Youqianhua" in June 2018). You can borrow up to 200,000 by clicking the test amount. Big brands are reliable, have low interest rates and are trustworthy. Have money to spend - Manyidai, with daily interest rates starting as low as 0.02%, has the characteristics of easy application, low interest rates, fast disbursement, flexible borrowing and repayment, transparent interest fees, and strong security. Youqianhua provides personal consumer credit services to the public, creates an innovative consumer credit model, and inherits Baidu's technological genes. Youqianhua uses artificial intelligence and big data risk control technology to bring users convenient, fast and secure Internet credit. Serve.

Share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

When applying for a loan, users will encounter loan products with different repayment methods. Since the interest rates are often expressed in different ways, for example: daily interest rate of 0.5%, monthly rate of 1%, etc. , so it is difficult to compare several products to determine which one is more economical. The price comparison tool launched by Youqianhua can help us solve this problem. Through comparison, we can intuitively understand the interest and fee details of the compared products, which helps us make decisions.

This answer is provided by Youqianhua. Please borrow money reasonably according to your needs. For specific product-related information, please refer to the actual page of Youqianhua official APP. I hope this answer is helpful to you. Click below on your mobile phone to measure your balance immediately! The maximum borrowing amount is 200,000. Does Baidu’s cash borrowing limit have an expiration date?

Baidu’s cash borrowing limit does have an expiration date.

When a user obtains a loan limit from Baidu Youqianhua, he or she needs to make the first loan within the 30-day limit validity period, with no limit on the amount. After the first borrowing is successful, the user's limit will be valid for a long time under normal circumstances. Therefore, it is recommended to borrow as soon as possible within the validity period of the quota, otherwise the quota will become invalid.