You can choose to spend money. This is an original Baidu credit service product, which can meet the capital needs of your daily consumption turnover. Pure online application, no mortgage, simple application materials, 30 seconds for approval, the fastest three minutes for lending, and the highest is 200,000. Repayment can be made in installments, up to 36 installments (three years), and the interest rate is determined by the system according to the comprehensive situation of users, with a minimum of 0.0 1%. It can be repaid in advance, and the loan can be recycled after repayment. The minimum daily interest rate is 0.0 1%.