Step 1: The borrower independently finds the online loan platform, registers the login account, fills in his basic information according to the relevant prompts, submits the loan application, and waits for the platform to review;

Step 2: The online lending platform will analyze and evaluate the borrower's information with the help of big data, including the borrower's address book, e-commerce account, savings card flow, residence address and work information.

Step 3: For users who pass the preliminary examination, the online lending platform will call back for manual verification to see if the information filled in by the borrower is consistent with the information communicated by telephone;

Step 4: After the audit is correct, the online lending platform will determine the loan amount and notify the borrower to wait for payment, and the loan will be successful as soon as possible.

? Small loan repayment method:

One-time repayment of principal and interest: one-time repayment of principal and interest after the target expires.

Equal principal and interest: the monthly repayment amount is the same. In the "principal and interest" distribution ratio of monthly payment, the interest ratio paid in the first half is large, and the principal ratio is small, and it gradually turns into the principal and interest ratio after the repayment period is over half.

Average capital: the monthly repayment amount is different. It is to divide the loan amount evenly according to the total number of repayment months, and add the monthly interest of the remaining principal in the previous period to form the monthly repayment amount, so the repayment amount of the average capital method is the largest in the first month, and then it decreases month by month, and the less it is.

Pay interest on a monthly basis and repay the principal at maturity: pay the interest of the current month every month and repay the principal at maturity.