Dingdang Loan is a credit loan wallet product launched by Jiufu. Its predecessor was Tinker Wallet, and now it is renamed Tinker Loan. At present, Dangdang Loan has reached a cooperation with Sesame Credit and only needs the authorization of Taobao. After the authorization is successful, the system will verify the corresponding credit line for the borrower according to sesame credit records, Taobao consumption and other data, and the maximum credit line is about 654.38+10,000 yuan. The specific borrowing conditions of Dingdang Loan are as follows:

1, Alipay's sesame credit score cannot be lower than 600 points;

2. The borrower's mobile phone number must be authenticated by real name;

3. The mobile phone number of the loan must be a number that has been used for more than 6 months;

4. There must be no bad overdue negative records before;

5. I haven't applied for loans such as Flash Bank and Dingdang for nearly half a month.

According to reports, Dangdang also adopted 128-bit SSL encryption technology to ensure the security of Dangdang loan accounts.

Dangdang loan can't get credit information.

At present, Dangdang Loan has not entered the credit information system of the People's Bank of China, and there will be no credit information record report after the deadline. But as I said before, Dangdang Loan cooperates with Alipay's Sesame Credit, so once the borrower is overdue, Sesame Credit will be affected, and other institutions can also find overdue records, which will still affect the borrower's credit information.

It is understood that Dangdang Loan will charge overdue fees and late fees to overdue users. As long as the borrower fails to repay within 3 days after the repayment date, 3% of the total repayment amount in the current period will be charged as a late fee; Users who are overdue for more than 30 days will be charged an overdue management service fee of 0. 1% of the loan principal every day. Now that the Internet is so developed, it's not just the credit report that looks up overdue records, so please repay on time to avoid bad credit records.

How long does it take to review the loan?

At present, the introduction and review time of Dangdang loan is generally within 72 hours, and it is not reviewed on holidays. After the borrower submits the loan application, the Dangdang loan system will send a short message to inform the borrower of the specific audit time. The following summarizes several factors related to the review time of Dangdang loan, and interested users can learn about it.

1. The staff of Dangdang Loan will conduct telephone audit on the borrower, so keeping the telephone open and answering the audit call in time can also reasonably shorten the audit time.

2. The loan is not audited on holidays, so the time for submitting the loan needs to be planned. If it is a holiday or the night of the working day before a holiday, the review time will definitely be extended.

3. Be sure to pay attention to the integrity and clarity of personal information and materials. No, in order to avoid resubmitting the loan application, re-examination will delay a lot of time;

4. The borrower should keep a good credit record, and poor credit status will directly affect the audit progress.