Yixianghua Loan is a formal online lending platform. Yi Xianghua is a formal lending platform operated by Hainan Yixin inclusive microcredit Company. Yixianghua Loan is a high-quota, low-interest and unsecured credit loan product, which can help users solve financial needs such as short-term credit loans and consumption staging. The main lender of Yihua is a small loan company, which is essentially a financial loan. The legal interest rate of financial loans is no more than 24%, while the interest rate range indicated on Yihuahua's publicity page is 10.8%-35.99%. The interest rate of financial loans exceeds 36%, which is illegal. From the perspective of interest rate, the interest rate in the range of 24%-35.99% is not protected by law, but it is not illegal. Hainan Yixin inclusive microcredit Co., Ltd. is a regular licensed financial institution, and the loans and loan records issued by the company will be recorded in the credit report. Yihua's business environment has obtained the third-level certification of national information security level, which protects users' information security in all aspects.