Not necessarily. After the user submits the withdrawal application, your loan platform will process it within one working day. After the application is successful, the money will be transferred from the third-party platform to the bank card designated by the user, which will generally arrive within 1-3 working days. Compared with other lending institutions, the approval time of your loan is relatively fast, and users can handle it on working days.
The leading financial technology platform in China, you and I, are practitioners of financial reform, focusing on the capital development needs of small and medium-sized enterprises, self-employed households and farmers, and have long been committed to the construction and improvement of the national credit system. On May 9, 2009, it was successfully listed on the Nasdaq Global Select Market.
Your loan is a financial technology platform, which was officially launched in June 20 1 1 year, and the mobile APP was launched in June 20 14. The operator of your loan is Shanghai Nidai Internet Financial Information Service Co., Ltd., with a registered capital of 550 million yuan, aiming at providing users with efficient, transparent, safe and convenient Internet financial services.
You and I adhere to the small-scale decentralized loan business, and the service has covered nearly 30 provinces and cities across the country 100 cities and regions. The loans matched with the platform are mainly consumer loans such as rental and decoration, electronic digital and tourism.
Throughout the entire financial product market, traditional financial products are also accelerating e-commerce. More and more financial industries use Internet and other technologies to sell financial products, acquire new customers and complete customer service. Financial e-commerce has become a trend.
Adhering to the concept of "compliant development and smooth operation", after more than 8 years of development, our bank has grown into the top financial technology platform with the largest scale and strength in China, and successfully listed on the Nasdaq Global Select Market on May 19, 2009. The net income of your parent company Jiayin Jinke in 20 17 was RMB 2,250.9 million (about US$ 327.7 million), which was 280.8% higher than that in 20 16. In 20 18, Jiayin Jinke's net income reached 2.88190,000 RMB (about 4192,000 USD).
You and I uphold the concept of "being partners with honest people and walking with you and me". Through your products, we can realize the great social value of helping workers, enterprises and agriculture, so that credit can truly become the carrier of realizing value and customers have the opportunity to change their destiny. "You lend me back" adheres to the service concept of "helping others", adheres to the principle of "honesty, innovation, dedication and cooperation", pays attention to morality and good career, aims to keep high, guard against risks and ensure the safe, standardized and coordinated operation of each customer's capital chain.
How long will it take you and me to get the loan?
Generally, it takes 1 to 3 working days for your loan and loan to arrive.
Your loan belongs to the loan intermediary platform, and the borrower can obtain the credit line after filling in the information on the platform and submitting it, and submit the loan application within the credit line.
After the loan application is approved by the platform, we have to wait for the matching employer. At this point, the borrower only needs to wait patiently for the staff to contact, and it will generally be processed in about 1 working day. After the employer successfully matches, the loan will be released, and it will arrive in about 1-3 working days.
Take your loan as an example. If the loan lasts more than 3 working days, the loan may fail. Generally speaking, the loan will be completed within 3 working days. And the payment has not arrived for more than 3 working days, then there must be a problem that caused the delay.
It is normal if it is only delayed on weekends and holidays. However, if payment is delayed for other reasons, the loan may fail.
1, the mobile phone number should be true.
The mobile phone number filled in must be authenticated by my real name. The longer the mobile phone number is used, the more favorable it is to apply for a loan in Fengtai Technology.
2. The photo of the ID card is clear
Generally, it is necessary to upload photos of the front and back of the ID card, and try to shoot horizontally to ensure that the photos are clearly visible.
3. sesame seeds are high.
Use the functions in Alipay more, keep the activity on Alipay, and submit more proof materials, which can improve sesame scores.
4.JD.COM has a high credit score.
If you open an account in JD.COM. COM's credit score is relatively high, and the loan pass rate will be greatly improved. ?
5. Have a recent online shopping record
It is best to have a certain amount of physical shopping behavior in the last three months. The online shopping consumption record is the proof of the applicant's spending power, and your repayment ability will be evaluated by the applicant's spending power.
6. There are fewer delivery addresses.
Try not to fill in too many delivery addresses in online shopping, which can be a specific home address or work address, and can also prove the stability of living or working.
7, provident fund, social security records
Try to provide some evidence to prove your job stability, such as social security and provident fund deposit records. The longer the term, the larger the deposit amount, and the more people can believe in your repayment ability.
How long will it take you and me to confirm the loan?
After your loan is confirmed, it will arrive in 1-3 working days, and it will be postponed on weekends or holidays.
If the account has not arrived after this time, you can save the loan time and related information, contact me to borrow manual customer service and provide it to customer service for inquiry.
Extended data:
First, take the loan between you and me as an example. If the loan takes more than 3 working days, the loan may fail. Generally speaking, the loan will be completed within 3 working days. And the payment has not arrived for more than 3 working days, then there must be a problem that caused the delay. It is normal if it is only delayed on weekends and holidays. However, if payment is delayed for other reasons, the loan may fail.
Second, you and I don't check the credit information. At present, you and I both rely on sesame credit scores to evaluate the qualifications of borrowers, and generally do not value credit reporting. At present, your loan has not been connected to the central bank's credit information system, and the loan and overdue situation on your loan will not appear in the central bank's personal credit information record. But in order to control risks, you and I have an internal evaluation system, and even many online loans will enjoy information. If there are too many malicious overdue times, you may blacklist online loans, and it will be difficult to apply for online loans in the future.
Three. Yourself Loan is a P2P peer-to-peer lending platform in China, which was established in June of 201/year, mainly providing loan services for individuals, small and micro enterprises, self-employed households and farmers.
Strictly review the borrower before the platform loan, and adjust and review the customer information and personal credit from multiple angles and dimensions; Can effectively monitor loans, supervise borrowers' repayment status, and avoid overdue repayment; After the loan, it also provides follow-up management services, reminds overdue customers of repayment in various ways, invites professional third-party collection teams to carry out collection work, and takes legal measures to solve it when necessary. You and I will be sued for long-term non-repayment, and the platform will ensure the normal repayment of overdue customers through judicial channels.