How much is the interest on pleasant loans? Besides interest, there are these!

Nowadays, people's life pressure is getting bigger and bigger, and it is inevitable that they will be short of money. At this time, they need to borrow money from banks and private lending institutions. Bank loans are slow and complicated, and private loans are much more convenient. Pleasant loan, as an old P2P platform, has its own loan function, so what is the loan interest of Pleasant Loan? Shall we solve it together?

1. What is the loan fee for pleasant loan?

In addition to interest, pleasant loans also need to pay a certain service fee:

Platform service fee: that is, all service fees charged by Yirendai to borrowers, including upfront service fees and installment service fees.

Pre-service fee: the one-time service fee deducted by the borrower after approval before lending is the pre-service fee.

Installment service fee: the monthly service fee that the borrower needs to pay except the upfront service fee is the installment service fee.

Warm reminder: the amount filled in the loan application of pleasant loan is called the application amount. Before the loan arrives, a part of the upfront service fee will be deducted. The loan amount reflected in the loan contract is equal to the sum of the application amount, upfront service fee and loan accident insurance premium, which is called the contract amount.

How much did we get in the end? It should be the contract amount-upfront service fee-loan accident insurance premium (if bought)

2. What's the interest on pleasant loan?

The loan interest of pleasant loan will vary according to the user's qualification and product. Let's take the popular speed mode as an example and simply calculate how much you need to pay back every month if you borrow 50 thousand and pay it back in three years.

As can be seen from the following table, each person's credit qualification can determine the repayment amount. Compared with the average, the total repayment amount with excellent personal qualifications is close to 20 thousand yuan.

What is an excellent qualification?

Personal credit is good, I have a house and a car, and I have never been overdue. My work unit is a state-owned enterprise or a top 500 enterprise. And I spend a lot of money on my credit card every month, and I can repay it on time.

All of the above are very important and can play a decisive role in loan interest. Relatively speaking, the interest of pleasant loans is not particularly high, but in terms of service fees, the comprehensive rate is still much higher than that of banks. You can weigh it before making a decision.