; ? As a platform just launched on 20 19, New Orange has unique advantages, such as low application threshold, fast payment and high popularity. Now it has become one of the hottest products at the beginning of the year. Today, let's briefly introduce the contents of new orange staging.
First of all, the official explanation
New Orange Staging is a product of Liu Xin Big Data Technology Co., Ltd. This platform is relatively large, with a registered capital of 1 100 million yuan. Shareholders include China People's Insurance Technology Fund, Softbank China Capital and Qihoo 360.
The most important problem is that this company has an Internet micro-loan license and an insurance agency license, and the loan funds come from banks, so it will also check the credit information. Everyone should pay attention.
Second, feedback from netizens.
Judging from the situation, the staging rate of new oranges is not bad. After the application is submitted, there is generally no telephone call back, which belongs to the automatic examination and approval of the system. Generally, the approval results will be issued in about 2-5 hours, and will be received on the same day after passing.
There is feedback from loan users. Strictly speaking, he is a bad credit user, but he can also pay successfully. It can be seen that although the new orange will check the credit in stages, it does not mean that the credit cannot be done, so it is recommended that all friends who need money urgently try it.
All in all, the new orange staging may have requirements for credit reporting, but from the cost point of view, there is the appearance of deducting several hundred yuan of beheading interest in advance, which is not very compliant and the total cost is relatively high. During this period, there are many examples of the next paragraph, and everyone can choose freely according to their own needs, which is suitable for office workers who urgently need money. Because there is no call back, the system will approve the next payment soon.
Is the orange staging app formal?
Very formal.
Platform strength
The New Orange Stage is an online lending platform jointly operated by Jinzhong Longxin Internet Microfinance Company and Liu Xin Big Data Technology Company, and its shareholders include Softbank China Capital and Qihoo 360. From the perspective of platform strength, the new orange staging is not very bad, but there is no way to compare it with Lending Treasure and Pleasant Loan. It can be seen that the reliability of new orange staging belongs to the middle level.
Mode of operation
New orange installment is a pure credit loan platform, which does not need mortgage and guarantee, and does not require high application materials for borrowers. Generally speaking, borrowers can apply for new orange installment as long as they provide ID card information, mobile phone number information, bank card information and sesame score of 580 or more. In the whole process, the risks we have to bear are still relatively small.
User Experience
From the perspective of user experience, the new orange staging is ok, and few people vomit or complain about this online lending platform. However, when using it, you still need to read the loan contract carefully to understand the loan interest and the payment method of interest.
1. Can New Orange be repaid in installments through negotiation?
According to the experience shared by netizens, the new orange borrowed 3,000 yuan in installments and only received 2,500 yuan for a period of three months. The first installment 1 136 yuan has been paid, and the remaining bills will be settled by 1500 yuan after the unpaid amount is directly negotiated with the platform.
It seems feasible to negotiate repayment. You can try. However, it should be reminded that not everyone can negotiate successfully. After all, the platform exists to make money. It is best to provide your own debt certificate, indicating that you have been unable to repay.
Second, what will happen to the new orange if it is staged?
Some users also said that the non-compliant interest rate of the new orange is too high and they intend not to pay it back. If you have this idea, you need to bear the following consequences.
1, collection: At that time, the contacts in the address book will be implicated and will be under the pressure of constant collection.
2. Blacklist of online loans: Once the overdue records are saved, it will be difficult to apply for online loans on other platforms in the future.
3. being sued: if the platform determines that you are intentionally overdue, then it is very likely that you will go to court.
Is New Orange Staging a Regular Platform?
New orange staging is a formal platform. Now if you want to lend money online, you must go through examination and supervision. Although the platform is not large, the new orange has relevant business qualifications in stages, so be careful not to overdue.
The strength of the new orange staging platform
New Orange Staging is a peer-to-peer lending platform jointly operated by Jinzhong Longxin Internet Microfinance Company and Liu Xin Big Data Technology Company. Shareholders of Liu Xin Big Data Technology Company include Softbank China Capital and Qihoo 360. As far as the platform strength is concerned, the new orange staging is not too bad, but it can't be compared with lending. It can be seen that the reliability of new orange staging is at a medium level.
New orange installment is a pure credit loan platform, which does not need mortgage and guarantee, and does not need too many application materials from borrowers. Generally speaking, borrowers can apply for new orange installment as long as they provide ID card information, mobile phone number information, bank card information and sesame score of 580 or more. In the whole process, the risks that everyone has to bear are still relatively small.
From the perspective of user experience, the new orange staging is not bad, and few people complain or complain about this online lending platform. However, when using it, you still need to read the loan contract carefully to understand the loan interest and interest payment methods.
Late consequences of new orange installment payment
After the new orange excellent products appear overdue for a period of time, everyone's bad records will be reported to the credit bureau. It is difficult for people with seriously negative credit information to apply for loans and credit cards.
After the borrower is overdue, New Orange Premium will arrange staff to collect the money. At the beginning, the staff of New Orange Premium will collect money by phone or text message. With the extension of overdue time, the collection of new orange excellent products will become more and more intense.
Like other online lending platforms, penalty interest is essential after the new orange premium is overdue. The default interest of new orange premium is calculated on a daily basis, which is higher than the normal loan interest and needs to be settled by the borrower when repaying.