At present, the maximum loan amount of elephant premium is 200,000 yuan, and the longest normal use can be divided into 12 months. According to our understanding, in order to successfully pass the audit of microfinance platform, users must meet the requirements of non-student users who have used real-name registration system mobile phone number for more than 6 months and have good big data, and also need to provide information such as identity authentication, face recognition, personal basic information, contact person, company information, operator authorization, bank card binding and so on. Therefore, it is not easy to pass the audit of elephant superior products. The quota can only show that it has passed the preliminary examination and must be manually reviewed to successfully obtain the loan. At present, the main reasons for the known audit failure are the borrower's personal information error, younger age, poor personal credit information and so on. That is to say, only users with good credit qualifications can pass the audit.
The review time of the purchase order of Elephant Premium will generally not exceed two hours. A luxury staging shopping platform for elephant premium products, covering goods in many fields. When purchasing phased products, the review is faster; The cash loan review time of Elephant Premium is relatively long, which is generally completed in about 1-7 days. If financial institutions are not short of funds, and applicants have good personal qualifications, loans for elephant insurance premiums can be issued in one day. If financial institutions are short of funds and their personal qualifications are not good, the loan review of elephant premium will take 7 days.
Relatively speaking, loans are relatively easy. As long as the user meets the requirements and can submit the information needed by the loan platform, there is a certain possibility of successful loan application. However, users should consider their personal needs and repayment ability in the process of applying for loans, and submit their applications within the scope of economic permission to avoid excessive borrowing and eventually being unable to repay.