Enjoy Loan is a small short-term personal consumption credit product launched by Chongqing Xinqiying Business Information Consulting Co., Ltd. The company is a legally registered enterprise and provides formal loan services. The maximum loan amount of Xiang Hao loan is 5,000 yuan, and the longest loan period is 7 days, which complies with relevant laws, regulations and regulatory requirements. When applying for a loan, you need to provide personal information such as ID card information, mobile phone number and bank card number, and carry out face recognition and operator authentication to ensure the authenticity and security of the loan. Therefore, it can be said with certainty that Xiang Hao Loan is a formal loan platform.