At present, there are two loan models for panda installment, one is cash installment and the other is commodity installment. Friends who need cash can apply for cash installment, and friends who need shopping can apply for commodity installment. In the whole process, you don't need to provide any mortgage or guarantee. In terms of loan interest, Panda adopts a phased intelligent pricing model to achieve one person and one price. The better the credit, the lower the interest.
Panda staging will attach great importance to the borrower's application materials during the audit process. Panda staging will determine the authenticity and validity of the information through various channels. If necessary, Panda will call the borrower in stages to verify the situation. If you choose panda to shop in installments, you will also be checked for the harvest address. If the harvest address provided by everyone is wrong, Panda may call the borrower himself in installments.
I didn't see the prompt of credit reporting in official website, and I didn't get the answer by consulting Panda's customer service by stages. It can be seen that the panda staging is probably not due to the credit. On some forums, some users said that the panda was exploded in the address book in a few days and kept calling the borrower to repay; There is also a borrower who is overdue for one month and receives a phone call saying that he will sue the borrower; Judging from the user's message, the panda will not collect money by installment, but by telephone. If it is overdue for a long time, it will be prosecuted, fined and detained.