The fast-financing installment loan is true, but it belongs to the microfinance platform. Fast financing by stages is not a legal loan channel. Formal loans are bank loans, and the rest are illegal. Some netizens broke the news on the Internet, claiming that the installment loan in Kuairong was 20,000 yuan, and there was a repayment date after the application. Then I prompted the netizen that the bank card was wrong, and then the bank card was frozen. I asked the customer service, and the customer service asked me to download a software called secret language, and then I had to pay money to unfreeze it. Typical is a scam.

First, online lending is risky.

The reason why online lending is risky is because the user's interest rate is relatively high. Payment is not easy, once it is not paid, it will affect personal credit, and there will be a collection of users' address books and various means to urge users to repay loans. Therefore, if you borrow money, it is recommended to repay the loan as soon as possible, or work for yourself to make money to pay off the debt. Never use loans to support loans, or you will get deeper and deeper. If there is really no money to pay back, users have the following suggestions: 1. If you apply for an extension, your initiative is not bad at all, and you will not be forced to die. At least, this attitude is correct. 2. I borrowed it from a friend, and I returned it online first, and then I returned something else, so there is no overdue fee. Much better. 3. Improve users' earning skills. If users improve their earning skills, they can pay off their debts bit by bit.

Second, the routines that should be paid attention to in online lending

1. Insurance premium. I believe many people have applied for online loans, and some lending institutions will prompt users to pay insurance premiums on their loan pages. Although the amount is not high, if you don't buy it, the application will not be successful. There are also some illegal online loans that charge high fees in the name of insurance premiums. This is a disguised beheading benefit and must be taken seriously. 2. Word games. Many online loans claim that the installment interest rate is not equal to the actual interest rate. Suppose the loan amount is 10000 yuan, and the principal and interest are paid off in 12 installments.

To sum up, we must develop good financial habits. The fundamental reason for such a large amount of arrears is that they have not developed good financial habits. As long as users have good financial habits, I am afraid that users will earn less and will not be in debt.