Yes Youyihua is a formal loan platform. You Yihua is a pure online personal credit loan product, which belongs to Instant Consumer Finance Co., Ltd. and is open to invited individual users. However, this product is generally only open to old users who have used EasyFlower, and only users who have received the invitation information can apply. Recently, the payment rate and payment feedback of this product are not bad, indicating that its operating conditions are relatively stable. Although Youyihua is a formal loan platform, when applying for a loan, you need to choose carefully according to your own needs and risk tolerance, read the relevant contract terms carefully, and avoid unnecessary disputes. At the same time, loans are risky and need to be cautious.