2020 Paipai Loan is offline, do I still need to check the credit when I apply?

Regardless of whether he is offline or not, the loan application must be checked for credit.

Loan approvals are displayed.

Whoever pats and borrows is unlucky, and one or two days after the deadline will be violently collected, insulted and intimidated, and beaten all over your address book. The most shameless company.

At present, formal loan platforms will be connected to the credit information system in accordance with the relevant regulations of the People's Bank of China. When a consumer loan product is connected to personal credit information, it will truthfully feedback the borrower's historical usage records, which will help financial institutions evaluate the borrower's personal credit status.

Under normal circumstances, if the borrower repays the loan on time and maintains good usage habits, then borrowing on the online loan platform will not have a negative impact on personal credit, but will help personal credit accumulation, and become a proof of good credit when applying for housing loans, car loans and other loans in the future.

Here is a reminder that it is best to choose a reliable big brand on the market for credit loans, such as Alipay's Borrow, WeBank's WeLoan, and Du Xiaoman Finance's Youqianhua. Youqianhua, formerly known as "Youqianhua", is a credit brand under Du Xiaoman Finance (formerly Finance), which provides users with safe, convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

For borrowers, they must strictly abide by the loan contract during the use of Paipai Loan, otherwise their personal credit will inevitably be affected, which will affect the future handling of housing loans, car loans, online loans, job hunting, participating in business bidding, etc.

1. Paipai Loan will charge the borrower overdue penalty interest on a daily basis until the borrower pays off the arrears;

2. Arrange staff to collect arrears through **, text messages, etc.;

3. Take legal measures to sue the debtor to the court.

In general, as a large-scale online loan platform, Paipai Loan will be credited, and everyone must take every loan seriously.

If you have capital turnover needs, it is recommended that you use 360 IOUs, which are based on 360's big data, and then conduct a comprehensive evaluation of the user's credit, and finally provide users with instant consumer loans on this basis. The maximum amount of borrowing is up to 200,000 (click on the official free test limit.) The daily interest rate is as low as low, and it has the characteristics of simple application, low interest rate and fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security. Tips: The above information is for reference only and does not provide any lending advice.

In order to ensure the safety of funds and prevent routine loans, it is recommended that you choose a regular bank or a formal loan platform through your own judgment after a comprehensive understanding, and borrow reasonably according to your actual situation.

In 2021, there will still be users who have successfully borrowed money on Paipai Loan, but unlike in the past, Paipai is no longer a platform to match borrowers and lenders, but to do loan assistance business.

For example, some users apply for loans on Paipai Loan, matching the products of New Orange Youpin, and some recommend credit wallets, etc., which is equivalent to an intermediary service platform that matches products for borrowers, and in fact, it is the funder who reviews and disburses the loan.

In addition, according to the official announcement of Paipai Loan, after the transformation into a loan business, it is mainly to recommend the products of licensed financial institutions to users, so if you need to apply for a loan, you can see whether the actual matching institution is indeed regular. If the push platform is high interest and does not meet the qualifications, then it is recommended that users consider not applying, so as not to cause personal information leakage and loss of funds.

Of course, if the lending institution is a licensed financial institution such as a bank, then the user should pay more attention to personal credit when repaying, otherwise it will leave a serious credit stain on the credit report.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

I have learned a lot of small loan companies, and on the whole, Bailu Xindu has the highest pass rate of money to spend. The limit is the highest, I didn't pay me back anything, and my colleague directly granted 18w credit.

Special note: Withdraw the full amount as soon as possible after the quota is issued, because the risk control is dynamic.

It is best to put forward all the suggestions in demand, and the risk control system will mistakenly think that you don't need the funds very much, resulting in a failed withdrawal. It is prudent to raise at least 60%. After the first installment, early settlement and repayment are supported.

If you have insufficient money to spend or no quota, it is recommended to try the following two platforms, which are also more formal licensed financial institutions! The audit is relatively less rigorous!

360 IOUs can borrow up to 200,000!

In 2018, Paipai Loan was connected to the central bank's credit system.

Under this provision, a number of mutual finance platforms (P2P platforms) have uploaded the list of old customers to the credit information system of the central bank, and the list of Paipai Loan, Yiren Loan, Soyi Loan, 51 Credit Card, etc. has been uploaded.

In 2018, the loan should have been on the central bank's credit, I think a loan platform should be a more formal loan if it can be on the credit of the People's Bank of China, but the interest rate of the loan is said to be relatively high, and the audit is also more troublesome, the next payment is particularly slow, if you are in a hurry to use the money, it is recommended that you use the money under Du Xiaoman Finance. It is also the original loan of Baidu Finance, and their next payment speed is very fast, basically it can be received on the same day, and the maximum amount can be borrowed up to 200,000 yuan.

It doesn't matter when he is on, any loan information, even if it is not on the credit report, the institution itself has data records, and if it is overdue, the cost has been increasing, even after ten years, as long as the credit is docked, it can still be on!

Another point is that the interest rate of any lending institution is lower than the requirement of 10,000 a year 3,600 stipulated by the state. No one lends usury!

The "Regulations on the Administration of the Credit Reporting Industry" have corresponding provisions on it:

Information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year. Where inquiries are made to personal information from credit reporting establishments, the written consent of the information subject shall be obtained and the use agreed upon.

If the company has access to the central bank's credit system, the borrower will definitely have a bad credit record if he does not repay the loan. On the other hand, if it is not connected to the credit information system, the overdue record will not be recorded in the credit report. However, now that there is big data in online lending, other loans will also be affected once they are overdue.

Conditions of the loan business:

1. Natural persons between the ages of 18 and 65;

2. The actual age of the borrower plus the loan application period should not exceed 70 years old;

3. Have a stable occupation and income, and the ability to repay the principal and interest of the loan on time;

4. Good credit information, no bad record, and legal purpose of the loan;

As long as it is in line with the credit information, it will be fine, and it will be fine if it is overdue for a few days, and it will definitely be on the credit investigation for a long time.