When users apply for loans on the platform, they should pay attention to whether the interest charged by the platform is within the scope stipulated by the state. If you pay more interest, it will easily lead to overdue return. Moreover, when borrowing money, you should measure your repayment ability. Only when your future income is relatively long can you borrow money with confidence.
Users can compare different platforms when applying for loans online, so that they can know which platform gives low interest and whether the amount they want. But when borrowing money, you must choose a formal platform and avoid borrowing money from an informal platform.
Due to the small amount of online loans, if the user's loan amount is large, he can apply for a loan directly at the bank, but he needs to submit more information and pass the bank's review before he can get the loan. It should be noted that the bank's loan cannot be overdue, otherwise it will affect the credit investigation.