Under normal circumstances, China Merchants United Finance is a relatively reliable borrowing platform. The loan interest rate and loan amount are relatively reasonable, which is considered a normal level in the industry.

1. Company products: (1) Cash loans: loan products such as "Zhaolian Haofeng Loan", "White Collar Loan", "Owner Loan", "Provide Fund Loan" and "Student Pocket Money".

(2) Installment Mall: Use the China Merchants Union credit line to consume first and repay later. It can be divided into 24 installments. You can enjoy overdraft consumption without interest or handling fees, and enjoy preferential installment shopping.

(3) Credit life: Provides installment services in multiple scenarios such as medical care, education, and foreign affairs.

(4) Student pocket money: Specially provides credit loans and installment consumption services for school students, supporting undergraduate, master's and doctoral applications. Ultra-low interest rates, borrowing and repaying at any time, without any handling fees.

2. The interest rate of China Merchants Union Finance: Its interest rate is the same as that of most relatively formal platforms, such as Jiebei and online merchant loans. The daily interest rate is usually 50,000 yuan and the monthly interest rate is 1.5 cents. It can be said that the interest rate is still relatively high, but it has a recycling function, and the amount will increase to a certain extent with use, which is still very helpful for solving personal temporary needs.

3. Repayment grace period: Initially, there was a three-day grace period for repayment of China Merchants Union Haoshiqi Loan. During these three days, at most, you would receive a text message reminder and no customer service call to remind you. However, starting last year, , as long as the repayment is not made on the repayment date, a manual reminder call will be made the next day. It is estimated that there are more thunderstorms on major platforms, and the risk control of China Merchants Union has become stricter.

4. Merchants United Finance is jointly established by China Merchants Bank and China Unicom *** and is a consumer finance institution licensed by the China Banking Regulatory Commission; it provides cash lending and installment consumption services. China Merchants Union Consumer Finance Co., Ltd. (referred to as "China Merchants Finance") was established in March 2015. It is a licensed consumer finance company approved by the China Banking and Insurance Regulatory Commission and jointly established by China Merchants Bank and China Unicom. Its registered address is in Shenzhen Qianhai has a registered capital of 10 billion yuan. China Merchants Union Financial adheres to the guiding ideology of "never forget the original intention and endless benefits" and the development philosophy of "inclusive mission, innovation drive, core capabilities, and ultimate experience". It has two major consumer products: "Good Futures Loan" and "Credit Payment" The financial product system provides users with comprehensive online, guarantee-free, and low-interest inclusive consumer credit services. China Merchants Union Financial has fully covered many consumption scenarios such as shopping, tourism, education, decoration, etc., serving tens of millions of customers, and its business covers a wide range of areas across the country.