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Which interest rate is higher, Hengyi Loan or Credit Flying?

The subject asked which interest rate is higher, Hengyi Loan or Credit Fly, right? The two companies are similar, and the interest rate is very high.

1. The total annual interest rate of Hengyi loan far exceeds 36% stipulated by the state. The credit interest is also 36%.

2. Credit only sends SMS reminders before normal repayment. Hengyi Loan calls you once or twice a day a week in advance, telling you to repay.