What is the fun flower staging? What is the relationship between Qudian and Lai Installment?

What is the fun flower staging? Quhua installment is a consumer installment mobile loan APP with high-tech attributes launched by "Shanghai Qianlong Information Technology ****", according to the consumption scenario, users only need a mobile phone to complete the whole process of application, arrival, repayment and other related technology services. [1]

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Basic information about product features and product advantages.

Application Introduction Quhua Installment is a cross-scenario credit consumption information technology platform mainly for high-growth customers aged 23-35, and realizes the matching of users' credit consumption needs and qualified funders in various life scenarios through marketing, data analysis and other means. [2] [2] Provide users with different credit levels with personalized consumption installment related technology services of up to 50,000 yuan, 6 installments or more. [3] Relying on a user base of 3000+ million, Quhua Installment is committed to the efficient combination of credit consumption methods and cross-scenario value-added services.

4] Product function 1, consumption installment.

Provide personalized consumption installment services of less than 50,000 yuan and 6 or more installments for users with different credit levels.

2. Shopping**.

An online ** that focuses on shopping for young people. Relying on big data technology, users can enjoy more affordable and high-quality shopping.

Product Advantages: Complete the application in minutes.

2. Dynamic rates.

Implement dynamic rates according to the user's credit status, the better the credit, the lower the rate, and dynamically adjust according to the changes in the user's credit status in different time periods.

3. The quota is as high as 50,000.

Combined with the multi-dimensional personal credit and other information submitted or authorized by the user, it provides users with a credit limit of up to 50,000 yuan. [5]

4. Flexible cycle.

Spend as much as you like within the quota, provide 6 installments or more, and support partial or full early repayment.

The interest rate of garbage is so high that it exceeds the annual interest rate stipulated by the state, and the repayment date is sent a text message 3 days in advance, and the **, text message, WeChat bombardment, and you are asked to repay before 3 o'clock. You said that 3 o'clock is not a few hours delayed, and immediately threatened you to explode your address book, a bad attitude. To apply for payment, you must also buy an annual card 899, do not buy it, and if you pass the review slowly, you doubt your life (as fast as a week).

If you want to be overdue for a day, the address book will be exploded, and if you are not overdue, you will start to call ** to urge you to repay in the morning of the last day, and you will be asked when you will repay, usually require you to repay it before three o'clock in the final repayment day, if you can't, you will be scolded directly, and your address book will be exploded, and a 699 fee will be deducted directly from your card when you apply for the next payment. There is no possibility of calling customer service, you need to call at least 10**, more than 30 minutes to get through, and sometimes you will be hung up directly. And then you have to sell your profile best.

Be prepared to invalidate a ** card that has been used for at least half a year! Be prepared for your friends, family, and colleagues to know that you can't afford to take out a loan and can't hold your head up in the circle, and be prepared for a nervous breakdown, because they will use robots to hit you.

Don't use it, super garbage! Software garbage, customer service can't be scored for 10,000 years! The repayment is not yet in it, and you are deliberately overdue!

Ruined your credit, let you take overdue fees, and scolded you like a mad dog! Who uses who regrets it, I paid it off this month, raised the amount to 50,000 yuan, kept calling ** to let me take out a loan, and harassed me by hitting more than a dozen ** a day, I took out a loan and was a fart, and the junk software was black all my life!

Borrow 6000, repay 8600 in 6 months, there is a member to borrow, hard deduction 899, the pit is very, and the repayment has been ** in the day, after 12 o'clock ** is a variety of threats to contact the family, the collection attitude is very bad, the collector said that half an hour can not find the account to the address book to hit **, but the deduction on the app takes two hours, and there is a period to pay off, I hope to see the people do not enter the pit.

Don't use it, a garbage horse. If you repay on the 1st, it will be bombarded at noon on the 1st until you change it, and other platforms never urge. Like they lack money for a funeral?

It really seems to be regular, but it is actually garbage, the boss Luo Min is still swaggering on TV, and he began to threaten before 12 o'clock on the day of repayment, and he must repay the loan with a bad attitude. Engaging in usury under the guise of Qianlong's information technology is rubbish.

Quhua installment now has to open an annual membership of 899 yuan to borrow money, they are really garbage, they didn't use it before, and now it's not a general pit, and the dead buy coffins.

It's not ordinary garbage, the last installment of repayment, before the SMS prompt, start to call ** from the morning, don't want the garbage, don't say 6000 in the later stage, the whole 60,000 is useless, this way has to close sooner or later!

Whoever uses it is unlucky not to say much I feel disgusted to say more I can't repay in full I have to repay it once a month ,

It seems to be a lending product, you go to their official website to check it.

A consumption installment platform, with a maximum amount of 50,000 yuan, I have used it, and the next payment is very fast.

This is the previous mobile phone loan, and now it is renamed Quhua installment. The company is a relatively normal lending company, with customer service, APP, and ** audit. But in fact, the interest is relatively high, 10,000 borrow 6 installments, and the interest is about 1,800.

Then it is not recommended to use it if it is not urgent. However, the company's operation is quite normal, because it is a relatively high profit, so there are relatively few requirements for lending and review. It's okay to use it once for an emergency, but if you use it too much, you will definitely put it into the online loan, and the so-called online loan cycle is actually caused by this kind of high-interest online loan.

If the normal loan interest is calculated, it is unlikely to cause non-repayment, or subsequent serious problems.

Borrow 1000 and only get 700 to repay 2700, who do you say will pay back, it's still rising.

Qudian and Lai Installment were both launched by a single company. In the earliest days, Qudian Group developed Qudian, a loan product, and Lai Installment is a business segment of Qudian. After that, Qudian Group re-planned its own products, renamed Qudian as Lai Installment, and the Qudian App on the user's mobile phone became Lai Installment App.

It should be noted that although Qudian and Laicheng belong to the same company, the amount of the two cannot be used interchangeably. When applying for a loan, the borrower can only use the loan amount separately.

Borrowers should pay attention to the following points when borrowing money online:

1) Priority to apply for loans on large lending platforms. For online lending platforms, compared with small lending platforms, larger lending platforms have better visibility and reputation, and their comprehensive practical training or strength is also better than that of smaller platforms. Borrowers are more secure when they apply for loans on large-scale lending platforms.

2) During the borrowing process, be sure to have an interview. If the borrower finds that when applying for a loan on a certain platform, he cannot see the staff of the platform at all, and all the communication processes and loan procedures can only be carried out through chat tools such as **, QQ, etc., the borrower needs to be vigilant and not easily trust this kind of borrowing platform.

3) Don't pay anything in advance. As long as it is a formal lending platform, when the borrower applies for a loan, there will be no upfront charges from Jian Zhongmin, and the platform will only charge the borrower a fee after the loan is disbursed.

Now some users posted in the forum that when they applied for installment products, they found that there was a product called fun installment, and one was called two products called fun flower installment, which made me very puzzled, is fun installment the same as fun flower installment? In fact, there are still a lot of differences between these two products, so when you want to apply, you also need to choose which product will be suitable for your own use.

In fact, there are a lot of users who use fun installment and fun flower installment, so you still need to make a certain understanding of these two products when you want to choose the installment product that suits you, so that you can make it a lot easier to apply for a loan installment, and you can also let yourself really apply for a product that suits you and solve your own personal troubles. Here is a brief description of the differences between the two products, Fun Installment and Fun Flower Installment, and I hope it can be helpful to you.

Difference 1: The background is different.

Fun installment can be said to be much more well-known, and Qudian is now also called Qudian.com, and the Qudian Group behind it was also listed on the New York Stock Exchange in October 2017, so many people trust Qudian Installment very much. The installment product of Quhua Installment is a mobile installment loan APP launched by Shanghai Qianlong Information Technology ****, which has not been launched for a long time in general, but it is also used by a large number of users.

Difference 2: The quota is different.

Generally, if you want to apply for a loan in the fun flower installment, the maximum amount can support a loan amount of up to 50,000 yuan, and if you want to apply for the fun installment, because the fun installment is generally mainly to support you to handle the shopping installment, so the amount will also be decided according to your own purchase of goods, and the amount will be given according to your sesame credit score and usage, and the corresponding amount will be increased according to the actual use of the record.

Of course, these two installment products are not only different, in fact, fun installment and fun flower installment are in the main product functions, both have the function of shopping ** can be used by everyone, you can use whether it is fun installment or fun flower installment, you can go to ** choose your favorite goods to buy in installments, so it is more convenient. In the past, Fun Installment itself was a platform dedicated to providing installment services for students, but after various disputes continued, Fun Installment also actively responded to the country's regulations, changed the direction of business, and no longer lent money to students, but became the current shopping installment platform called Qudian.

So is the fun staging the same as the fun flower staging? It can be said that there are still a lot of differences between the two, but there are also similarities, so these two products can also be selected according to their actual situation and needs to see which product is really suitable for their own beam resistance, so that everyone can be more relaxed when handling the installment, and can better meet their own needs!

Every once in a while, a platform in the online lending industry will emerge and attract the attention of borrowers. Quhua installment has become an "Internet celebrity" in the online loan industry, which is very concerned by borrowers, and some friends want to borrow from Quhua installment, so they come to ask how much is the interest rate of Quhua installment, and whether it is high. Here, I will tell you what I know.

After some understanding, it was found that the interest is calculated on a daily basis, and the daily interest rate can be as low as how to collect the specific interest, which should be determined according to the borrower's comprehensive credit score.

For example, if you apply for a loan of 10,000 yuan from Quhua in installments, repay it in 12 installments, the daily interest rate is equal principal and interest repayment, and the total interest that needs to be paid after the loan is paid off is yuan.

In addition, there may be a service charge for Quhua installment. Late fees and overdue administration fees are also required for borrowers who are overdue.

Next, let's compare it with Quhua installment through other loan platforms to see if the interest rate is high.

Ants borrow

Ant Borrowing is a loan platform that can be used in installments, and the number of installments depends on the actual situation of the borrower, which is generally 3 months, 6 months or 12 months. Ant borrowing adopts the method of calculating interest on a daily basis, and the daily interest rate is generally around the same, and there are no other fees.

Micro loans

WeLoan is also a loan platform that can be installmented, with a choice of 12 months, 20 months, etc. Micro loans are also calculated on a daily basis, and the daily interest rate is generally the better the credit, the lower the interest rate.

Compared with the two star loan platforms in the online loan market, it is not difficult to find that the loan interest of Quhua installment is not very high, which is a normal level.

The above has introduced to you how much is the interest rate of the fun flower installment, and whether the interest rate is high or not, I hope to let you have a deeper understanding of the fun flower installment.

As long as there is no serious dishonesty during the repayment period, such as overdue repayment, using funds for investment, etc., these special circumstances occur, and Quhua may not be able to borrow again after the installment is repaid. If it is a normal repayment, as the repayment record increases, the borrower's credit line will increase, and the loan interest rate will also decrease accordingly.

Even if you are eligible for a loan in a short period of time, as long as you improve your credit qualifications, you can quickly apply for a loan again. Effective ways to improve credit qualifications are to settle overdue loans, maintain a good repayment record, reduce your debt ratio, etc.

Quhua installment is mainly a cross-scenario credit consumption information technology platform for high-growth customers aged 23-35, and realizes the matching of users' credit consumption needs and qualified funders in various life scenarios through marketing, data analysis and other means.