Pleasant Loan official website, Pleasant Loan APP, Pleasant Loan Customer Service Phone.
About Pleasant Loan official website, you can directly search for Pleasant Loan in Baidu, and then click the address of Pleasant Loan in official website to enter. At the same time, you can also search for pleasant loans and download pleasant loan apps in major mobile phone application markets. It is also a good idea to search for "Pleasant Loan Borrowing Official Micro" on WeChat, which is the most direct way to know the details of Pleasant Loan. If you have any questions or accidents, you can directly call Yirendai customer service to solve them.
Yirendai Customer Service Phone *
How about pleasant loan? Is pleasant loan reliable?
Pleasant Loan is a P2P online lending platform under CreditEase, and it is also the first domestic Internet finance stock, NYSE. Simply put, pleasant loan is a formal and reliable company with deep pockets, so it is impossible to run away casually. Everyone can put ten thousand hearts into this platform.
Details of the advantages of pleasant loan
What are the products of Pleasant Loan?
1, pleasant loan speed mode
In order to compete with the internet small loans that are everywhere, Pleasant Loan adopts the fast mode, and all applications, audits, loans and repayments are completed on the mobile app. Ultra-fast mode provides loan amount 1- 1 ten thousand, and loan term 12, 24 and 36 months. Although the official claims that the approval takes 10 minutes and the loan takes 2 hours, everyone knows that this speed is impossible for the initial application. It takes more than ten minutes to review the application materials, which is similar to the old customers who fulfill the contract on time.
2. Pleasant loan elite model
The elite model is a loan for ordinary wage earners, with a loan amount of 200,000-200,000 and a loan term of 12, 24, 36 and 48 months, which is not limited to cities and is very suitable for ordinary "brick moving" applications.
3. Pleasant loan provident fund model
Considering that the provident fund is also an important standard to reflect the repayment ability, Pleasant Loan follows the provident fund model and provides a loan amount of1-200,000 with a loan term of 12, 24, 36 and 48 months. Partners who pay the provident fund steadily every month can try this model. The more they pay, the more satisfied they are. I believe there will be more approvals and quotas.
4. Pleasant loan life insurance model
In addition to the provident fund, buying life insurance is also a major standard to reflect repayment ability. Will pleasant loans be spared? Of course not. This leads to the life insurance model. The same loan amount is 65,438+0-200,000 yuan, and the loan period is 65,438+02,24,36,48 months, which is dedicated to the small partners who bought life insurance, whether for themselves or for their sons, as long as
Pleasant loan amount
According to the product situation, the loan amount of pleasant loan is basically 1 10,000 yuan to 20,000 yuan, but I want to tell you quietly here that although the maximum amount of pleasant loan is 200,000 yuan, few people can get this amount. Judging from the feedback from many users, it is generally decided according to their own credit qualifications and repayment ability. Generally, the loan amount of pleasant loans is below 654.38+10,000 yuan, and the monthly income is about 2,000 yuan.
Preferential loan terms
1, pleasant loan speed mode
The age is between 22 and 55; A valid ID card is required; Need to show the credit report of the central bank within two weeks; I have a Taobao account with my real name authentication under my name; I have my real-name authentication mobile phone number under my name.
Only mobile applications are supported.
Supported cities are: Beijing, Fujian, Guangdong, Hubei, Hunan, Jiangsu, Liaoning, Shandong, Zhejiang, Hebei, Sichuan, Chongqing and Heilongjiang.
2. Pleasant loan elite model
At the age of 22-60; Working continuously in the current unit for 6 months; After-tax punch-in salary exceeds 2000 yuan and holds a valid ID card;
If the applicant is a civil servant, teacher, banker, management of large state-owned enterprises, employees of listed enterprises and institutions, or lawyers, accountants, architects, etc. Give priority to examination and approval, and the monthly punch-in salary is more than 4000.
3. Pleasant loan provident fund model
The age is between 22 and 55; Mobile phone number with real name authentication under my name; Issue a personal credit report within two weeks; Have a provident fund account number and pay it continuously.
Supporting cities are: Beijing, Nanjing, Guangzhou, Hangzhou, Shenzhen, Foshan, Dongguan, Shanghai, Shijiazhuang, Wuxi, Chengdu, Dalian, Tangshan, Handan, Tai 'an, Haikou, Yantai and xi 'an.
5. Pleasant loan life insurance model
The age is between 22 and 55; Mobile phone number with real name authentication under my name; Issue a personal credit report within two weeks; Have life insurance and continue to pay premiums.
Supplementary information of pleasant loan
In order to help quickly pass the audit, Yirendai supports supplementary materials, including: household registration information, credit card statement, personal tax payment certificate, social security payment details, housing provident fund payment details, mortgage repayment flow, and work certificate (including personal labor contract, social security provident fund, work permit, company badge or on-the-job certificate with company official seal within two weeks).
Preferential loan interest
Pleasant loan will tailor the interest rate of pleasant loan according to the different qualifications of users. The official did not elaborate on this point, so it is impossible to draw a conclusion on this point. However, from the feedback of most users, the interest rate of pleasant loan is not close to the people, but it is still high. You still have to apply in person to know the specific situation.
Fee standard for pleasant loan: details
Loan cost of pleasant loan
When pleasant loan repays in the extreme speed mode, in addition to the principal and interest, it also needs platform service fees, including upfront service fees and installment service fees.
The upfront service fee shall be deducted in one lump sum after review and before lending, and the installment service fee shall be paid at the time of repayment.
In addition to the express mode, in addition to the upfront service fee and installment service fee, other modes also need to charge 5 yuan's one-time identity verification fee, 5 yuan's one-time bank card verification fee and 15 yuan's one-time loan review fee.
Qualified users (that is, users who have at least one credit card with a credit card limit of more than 70,000 and a tax punch-in salary of more than 1 10,000) can be exempted from installment service fees and enjoy preferential service fees.
Top-up and withdrawal standard of pleasant loan: details
Can you borrow money from a likable person?
The application materials submitted by pleasant loan are not complicated, but after the first trial is passed, there will usually be a telephone call back. According to most users' reaction, no matter what mode, Yirendai will have a telephone call back, which includes not only routine personal information, work content, debt situation, loan purpose, but also problems in materials. For example, ask a user why one month's salary payment time is different from other months, and ask some users why their credit cards are overdue. You can look at your own information before submitting it, and go over all the questions you think may be asked in your mind now, so as not to be unable to answer when asked.
If you can guarantee that you have good credit qualification, repayment ability and smooth telephone call back, then pleasant loan should be better.
Whether pleasant loans check credit, credit.
Every loan mode of pleasant loan needs to provide the central bank's personal credit report within two weeks, so pleasant loan is to check the credit.
The official response is that pleasant loan is not connected to the central bank's credit information system, so the personal credit information report will not show the loan situation of pleasant loan, and there will be no overdue situation. Although the loan is pleasant, we should remind everyone not to overdue easily and take good care of their online personal credit.
Will the pleasant loan be overdue? This paper makes a relevant analysis: details.
Pleasant loan repayment
65438+
2. You need to log in to Pleasant Loan APP for mobile phone repayment, click I- Repay Now, enter the bank card number and the reserved mobile phone number of the bank to complete the repayment operation.
Tips: Pleasant loan platform does not support credit card repayment, but only supports the following bank debit card services: ICBC, Agricultural Bank of China, China Merchants Bank, China Construction Bank, Bank of China, Xingye, Postal Savings, China Everbright, Guangfa, CITIC, Ping An, Bank of Communications, Huaxia, Pudong Development, Minsheng, and does not support bank card-related automatic repayment or third-party payment platforms such as Alipay and WeChat. I suggest that you still bind the bank card in Pleasant Loan to facilitate repayment.
Repayment Date and Process of Pleasant Loan: Details
Pleasant loan repayment in advance
In addition to paying the current interest, installment service fee and residual principal, the prepayment of pleasant loan also needs to pay an additional compensation. The amount of compensation is an example of the remaining principal. Xiaoming borrowed 1 10,000 yuan from Yiren. If he repays the principal and interest of 5,000 yuan in advance, he will have to pay new compensation in addition to the remaining principal of 5,000 yuan.
Can I apply again if the pleasant loan is rejected?
After the loan is rejected in normal mode, you can apply for secondary import immediately. The application for speed mode and provident fund mode can be made for the second time three months after the loan is refused.
Compensation for overdue and breach of contract of pleasant loan
If Pleasant Loan is unfortunately overdue, it needs to pay liquidated damages, with the coefficient = (monthly principal payable+monthly interest payable-actual repayment amount) × liquidated damages coefficient× overdue days.
For example, Xiaoming, who was unlucky, borrowed a sum of RMB 10000 from Yiren for repayment in two installments. Assuming that his loan interest rate is 10% and the first installment is three days overdue, he needs to pay (833+833x 10%).
If it is maliciously overdue, such as deliberately not answering the phone many times, or making some remarks that just don't pay back, Yirendai, as a large listed company, pays more attention to the user's willingness to repay rather than the ability to repay. Although Yirendai will upload this malicious overdue behavior to the online loan credit information system and the blacklist of China Credit Network, it will affect the future loans on the online loan platform. It is suggested that you should take the initiative to contact the customer service and explain the reasons, or you should keep your personal credit well.