How do I know if a small loan company is granting credit? Know that the method is here

If a small loan company is a banking institution or a regular licensed financial institution, it will generally truthfully declare its personal loan application to the credit information system as required. First, the state should standardize and rectify illegal small loan platforms, and second, small loan companies will take the initiative to prevent abuse. So, in the end, how can we know whether the small loan company we are applying for is collecting credit?

1. How do I know if a small loan company is granting credit?

1, ask the official customer service directly.

Generally, small loan platforms will have help centers or directly consult online customer service. You can get a general understanding.

2. Relevant authorization agreements and contracts

When applying for a loan, you generally need to check the relevant authorization agreement, stipulate that the small loan company can inquire about personal credit information, or read the terms in the successful loan contract carefully, and you will find that the personal loan record truthfully feeds back the relevant contents in the credit information.

3. Log in directly to the credit information system for inquiry.

Personal credit information system, that is, the Credit Information Center of China People's Bank, searches for official website to enter, finds a personal credit information service platform to log in, and you can see credit card records, loan records, etc. In your own name. If there is a name of the relevant small loan company, it is a credit investigation, and everyone can check it twice a year for free.

Second, the impact of credit reporting by small loan companies.

1. Small loan companies can provide themselves with an extra guarantee, because after accessing the credit information system, the big data of the platform can be docked, and once the borrower is found to be blacklisted, the lending risk can be effectively controlled.

2. Urge borrowers to develop good repayment behavior by themselves. It is necessary to know that once it is overdue, it is impossible to borrow money on the formal platform of the credit society in the future. The state is also stepping up efforts to crack down on malicious default and safeguard the rights and interests of small loan companies as lenders.

The above is about how to know whether the small loan company has received the credit information. I suggest that you don't have the luck of not receiving credit information, repay on time, and maintain a good personal credit.