Pleasant loan is a person-to-person online loan service platform launched by CreditEase on 20 12. Lenders apply for loans online. After passing the credit evaluation, the lender obtains the credit loan fund support from the lender, and the lender obtains the expected annualized income return. Pleasant loans are mainly credit loans. The expected annualized interest rate is about 7%- 12%, and the average expected annualized income is 12%. And the investment period is more than 6 months. However, secured companies and risk guarantee funds guarantee the safety of their principal and interest, and investors can transfer their creditor's rights after 3 months of investment. After submitting the application, the results should be announced within three working days. If you successfully borrow money, it depends on your annual interest rate. If it is high, there will be more lenders and you will get the money soon.

First, the borrower needs to apply through the Renren loan client. Secondly, there are restrictions on the location of the borrower. At present, the speed mode of pleasant loan only supports borrowers from Beijing, Fujian, Guangdong, Hubei, Hunan, Jiangsu, Liaoning, Shandong, Zhejiang, Hebei, Sichuan, Chongqing and Heilongjiang. Finally, the borrower needs to meet the following four conditions before applying: 1. The borrower holds a valid credit card and receives the credit card bill by fixed email; Or hold a personal credit report issued by the central bank. 2. The borrower is 22 years old (inclusive) -55 years old (inclusive). 3. The borrower has a Taobao account with real-name authentication under his name. 4. The borrower's name has a real-name authenticated mobile phone number. Pleasant loan speed mode application process 1. The mobile phone scans the QR code of Yirendai to register the Yirendai account, and then carries out various identity authentication such as mobile phone number and ID card. 2. Enter the email authorization system bound by the credit card to read the consumption bill. 3. authorize reading records of e-commerce and social networking sites. 4. Enter the bank card information to complete the loan application. 5. Set the loan amount and time (36 months and 48 months are recommended, which is easier to approve). 6. Pass the qualification examination and wait for the loan. (Generally, the review time is about 10 minute) The system will automatically calculate the monthly and * * * total repayable amount, which is convenient for users to check the provinces and cities supported by the current extreme speed mode of the platform: Beijing, Zhejiang, Guangdong, Jiangsu, Fujian, Hubei, Shandong, Chongqing, Hebei, Heilongjiang, Hunan, Liaoning and Sichuan. Therefore, before the borrower applies for a pleasant loan, although the pleasant loan speed model has the ability of quick review and can help the borrower solve the small fund gap, all the review procedures are completed by the system, and there is some uncertainty, so the borrower needs to pay special attention.