Users need to provide their own information to the platform, and the platform will review it. There is an audit process in the middle. Eligible users have priority in lending.
You can check your loan progress after borrowing. It should be noted that after the operation of the loan, there will be a call from the staff of Xiaoxiang Youpin. If you don't get a call, the loan won't pass. Therefore, you should ensure that your number is unblocked and you can answer the phone normally, so as to avoid that the staff can't receive it when they call you, which will affect your loan progress.
According to Tianyancha, Elephant Premium is an online shopping service platform. The company is committed to building a Haitao platform for maternal and child products, luxury goods, small household appliances and other products. Only 202 1 has added economic information consultation and non-financing guarantee services to its business scope, but it does not have the qualification of online loan. I don't know what the company will do next to straighten out its online loan qualification, but no matter how it is operated, it is impossible to be legal and legal to annualized 60%+.
For an e-commerce platform that sells products, there are behaviors that can be loaned, but there is no online loan qualification. Personally, I dare not lend money to this platform, but many people may be in a hurry to use money, or see that the loan method or other advantages promoted by this platform are better, so many people don't care about others, but for this platform, it is not long-term. Because of irregular and illegal behaviors, although it may not be investigated by the relevant departments now, I believe that some illegal platforms or companies will eventually be banned by the relevant departments.
Because non-compliant platforms or enterprises will seriously affect people's lives and people's property safety, we must choose online lending platforms that conform to national laws and regulations when lending, and we must choose qualified platforms.