The threshold is low, that is, its interest rate is too high. The loan amount is 1 000 yuan, 2,000 yuan and 3,000 yuan, and the interest rate exceeds 10%, and the platform also charges management fees. Comparatively speaking, your loan review speed is relatively fast and the application threshold is not high. Users can apply for loans according to their own qualifications and needs, and it is best to use the next mobile phone loan.
Extended data:
First, the background of the establishment of "you and me loan" stems from the outbreak of peer-to-peer lending. This network form of private lending has alleviated the outstanding financing difficulties of domestic small and medium-sized enterprises to some extent. Ma Weihua, president of China Merchants Bank, has said on many occasions that the combination of social networks and finance may have a subversive impact on the traditional financial industry. 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.
Strict audit before lending-You and I have an industry-leading audit team to conduct multi-channel, multi-angle and multi-dimensional multi-layer investigation and audit on customer information and credit report to avoid fraud risks to the greatest extent.
Effective monitoring during the loan period-you and I have a professional customer service team, and the customer service manager keeps in touch with customers during the loan period, provides good services, monitors the repayment status in real time, and avoids post-loan risks.
Post-loan tracking management-for overdue customers, you and I will remind them of repayment in various ways, and professional collection teams and third-party institutions will carry out collection work and take legal measures to solve them if necessary.
2. Your-My-Loan Financial Technology Platform was established in June 20 1 1. As a third-party service platform, it does not lend, but only provides a series of related services, such as credit consultation, evaluation, recommendation, fund adjustment and docking, to bridge the gap between investors and borrowers in fund allocation. Your loan platform is independently built and operated by Shanghai Your Loan Internet Financial Information Service Co., Ltd..
Third, investors should pay attention to the following points when choosing a lending platform for investment:
1. Determine the borrower's loan amount and repayment period, as well as the use of funds, and screen out a platform that is suitable for you, with controllable risks and fair returns. High return on investment often means higher capital risk.
2. Compare whether different lending platforms have bank depository. If there is bank depository, the fund management of the platform will be more formal and the lending process will be more rigorous. Relatively speaking, such a lending platform is still relatively safe.
3. Log in to official website, the lending platform, and check the transparency of operational data and information disclosure. A platform with good operational data is worth investing and borrowing. Because of its professionalism, bank lending platform is often the safest financial lending platform, and what banks are best at is financial risk control. Therefore, for the borrower, the loan interest is reasonable and the investor's income is safe and reliable.