Zhongai Huanxiang is a platform for providing financial services, but it is impossible to determine whether it is legal at present. According to public information, Zhongai Huanxiang has not obtained the relevant permission from the financial supervision department in China, so there are certain legal risks. When choosing a financial platform, it is recommended that you give priority to the platform approved by the regulatory authorities to ensure the safety of your funds.
Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. You can go to Sixi Data to check the personal credit risk index. The higher the risk score, the easier it is for the application to be rejected.