1. Platform Qualification Personal Credit Information is a wholly-owned subsidiary of credit cards of listed companies. Credit card is the first member of China Internet Finance Association, and has a small loan license. Compared with other unknown and unlicensed online loans, personal loans are more formal. Therefore, from the perspective of platform qualifications, personal loans are more reliable.
2. Borrowing costs From the perspective of borrowing costs, personal loans are determined according to the borrower's comprehensive credit. The better the comprehensive credit, the lower the loan interest rate, and the lowest daily interest rate can be as low as 0.0 15%. Judging from the actual lending situation, everyone's loan interest rate is within the high interest rate red line of 36%. In other words, the interest rate of personal loans is in line with relevant regulations.
3. Whether a public opinion platform is reliable can also be understood from public opinion. The media and users have positive comments on personal credit. In other words, there is less negative news about personal loans. Through the above contents, from the three aspects of platform qualification, borrowing cost and public opinion, personal loan is more reliable.