1. Qualification background: Good-term loan is an Internet consumer credit product launched by Haier Consumer Finance Co., Ltd., which was established with the approval of China Banking Regulatory Commission and has a formal consumer finance license. Therefore, from the perspective of qualification background, good-term loan is a formal online lending platform.
2. Business scope: As a formal consumer finance company, good-term loan provides personal consumer credit services, including shopping installment and cash loan, and its business scope meets the requirements of national laws and regulations.
3. Interest rates and fees: The interest rates and fees of good-term loans should comply with the relevant provisions of the state, and there are no irregularities such as beheading and violent collection. Users can compare the interest rates and fees of different online lending platforms and choose the appropriate loan products according to their actual needs.
4. User word-of-mouth: When judging whether an online lending platform is formal, user word-of-mouth is also an important reference factor. User comments on good loans can be understood through user comments on the Internet and discussions on social media. Of course, we should pay attention to identifying false information and malicious comments.
5. Compliance: As a formal online lending platform, good loans should follow national laws and regulations to ensure business compliance. Users can pay attention to relevant policies and regulations, as well as the announcement information of regulatory authorities, and understand the compliance of term loans.
To sum up, as an online lending platform with a formal consumer finance license, good-term loans can basically be regarded as formal. However, when users choose online lending platforms, they also need to pay attention to interest rates, fees, user reputation, compliance and other aspects, and make comprehensive judgments according to their actual needs.