Ping An Puhui is a small-amount loan and is a business cluster affiliated with an associate of Ping An Insurance (Group) Co., Ltd. of China. Ping An Puhui is a loan platform. In 2015, Ping An Puhui financial business cluster was established by integrating Ping An's credit insurance business, Ping An's direct loan business, Lufax P2P small credit loans, etc. to focus on solving the consumer finance needs of individuals and small and micro enterprises.

Ping An Puhui Online Loans are mainly targeted at customers with small, short-term needs, and are purely online online loans that can be disbursed in as fast as 3 minutes. Oxygen Loan adopts a fully online operation method, no mortgage is required, and there is no need to provide paper materials. The loan can be issued after meeting the conditions after a remote interview. Customer targets include credit card customers, small loan customers and credit novices with no credit record.