Has anyone ever used a personal loan? Tell me how you really feel.

Hello, Renren Loan is my first P2P investment. In terms of security, everyone basically gives full marks, but with the understanding of P2P websites, everyone's user experience is really poor and the money earned is too dark. The borrowing cost reaches 24%, and the investor interest rate is around 12. If you don't believe me, try to operate the loan yourself and see if the borrowing cost is counted.

The interest rate of 12% is still 36 months, and with a lot of foreign robberies, the funds are seriously guarded. The only reason I'm not withdrawing money now is to spread the risk. Eggs can't be put in one basket, and the HL net interest rate is about 14, which means the risk is slightly higher, but the user experience is much better than here.

I want to say that I am entrusted to read my information carefully, and I will not be entrusted to invest in these.