On the 21ju complaint website, there have been more than ten pieces of campus loan information from Aiyoumi in the past six months. It is said that during her sophomore year in 2018, Aiyoumi obtained a loan amounting to 10,000 yuan, which was then used for consumption; and a campus loan complaint was attached to the IOU created in July 2018. The complainant did not attach his student ID card.

Some users pointed out that the platform involves issues such as campus loans, beheading interest rates, and excessive interest rates. In March 2018, he borrowed 20,000 yuan from the Aiyoumi platform while he was in school, and the service fees and fund management fees collected totaled more than 6,000 yuan. 858.14 yuan should be repaid for each of the 36 periods. Calculated based on the actual payment of 14,174.45, the IRR annualized interest rate exceeds 60.

Aiyoumi usage shows that the “100 down payment column” is a diversion from other small loan platforms. In terms of water sharing, one platform has recently been accused of being involved in campus loans. One user said that he was a junior in college and took an installment loan from Wang Hai recommended by Aiyoumi. For a loan of 3,500 yuan, 2,485 yuan was actually received. The application time was July 14. Currently, there is no Neptune stage displayed at the diversion entrance of Aiyumi.

On May 27, 2017, the regulator issued the "Notice on Further Strengthening the Standardized Management of Campus Loans", requiring online lending institutions to suspend online loan business for college students. Campus loans have caused several tragedies. In February 2019, a girl from Xi'an chose to commit suicide after being exposed to online loans at school. She was unable to make up for the debt loophole. Many platforms such as Aihefan are mentioned on the left side of the bill.

Aimiyou’s complaints focus on violent collection, refund of membership rights, and diversion of cash loan products involving beheading interest.

At the same time, Aiyoumi was complained about the beheading interest charged by the diversion platform. In addition to the Aquaman installment mentioned above, it mainly includes Domi Loan, Moonlight Treasure Box, Moonlight Man, etc. and some affiliated companies.

Investigation information shows that the shareholders of Dalian, the main body of U Wallet, are natural persons and Cui, and the two are related. Zhang Weiwei is the general manager of Dalian Zhongshan Deyunsheng Small Loan Co., Ltd. (hereinafter referred to as "Shandong Deyunsheng Small Loan"). The official website of Deyunsheng small loan legal person Su Haidehe shows that its major shareholder is Dianrong. Another shareholder, Cui, has the same name as Cui, the supervisor of Shanghai Dianrong Information Technology Co., Ltd.

Aimiyou belongs to Aicai Group. According to the official website, the company was founded in 2014. Its founder Qian Zhilong is Alibaba employee No. 75 and a core member of the founding team of Alipay and Alimama. Its products include Aiyoumi, P2P Mizhuang, small loan cigarette shopkeeper, auto finance Aiyouche, etc. Related Q&A: Is Aiyoumi legal?

Nowadays, people’s demand for loans is increasing, so various lending institutions and online loan platforms have begun to enter the public eye, such as Aiyoumi. An online lending platform chosen by people. So, is Aiyoumi legal?

Aiyoumi is a consumer finance platform under Aicai Technology Co., Ltd. that specializes in providing consumer finance loans to young people. It is a formal loan platform, so Aiyoumi is naturally legal.

Aiyoumi also cooperates with Bank of China, China Merchants Bank, Ping An Bank, etc., and implements risk control through big data, which can well protect the security of users' information and funds.

In addition, Aiyoumi’s repayment methods are more flexible, and the interest rate is not very high. The lowest daily rate is only 0.03, which does not exceed the warning line of 36 annual interest rates.

But when applying for a loan, be sure to read the relevant contracts and terms carefully, especially some default conditions, additional fees, etc. Of course, the most important thing is not to be late.