Is the loan from Zhaolian Finance Company reliable? Is it a regular platform?

Zhaolian financial platform is a regular licensed institution, but it is another matter if it is not reliable. Tell me about my experience.

I came into contact with Zhaolian Finance on 18 and found it through the platform of JD.COM. At that time, the credit card had to be returned, and the capital turnover was unfavorable. As a result, the line that Zhaolian Finance gave me for the first time was 654.38+0.5 million, and it was also a turnover line. I was in a hurry to borrow money. I am inexperienced and didn't look at the specific interest rate. Anyway, as long as there is money to use, I have mentioned it. Maybe the credit is ok, so it has been recovered. After all, it gives a year. However, after using 10 months, Zhilian suddenly froze my quota, so I can only repay it, but I can't borrow it. This gives me a headache and a fever. In the end, I can only borrow money from other platforms to block the hole (the big hole in the online loan). But it is not overdue, and it is still worth celebrating.

I didn't say it before, but it has been used by online loans. I have paid back the recruitment money, but I still owe money to other platforms. With the attitude of giving it a try, I applied again, and this time I downloaded its own app directly. As a result, I was given a quota of 6.5438+0.5 million, which was still cyclical. At that time, I also immediately withdrew. After all, I was short of money. It was July, and the recruitment was better this time. My account was frozen at the end of 10. It's harder for me. The monthly repayment will cost him 1.8 million. In the Spring Festival, the money has nothing to do with the epidemic. I call the reminder every day because I will answer the phone. It has no address book, but it's no use negotiating with them. My wife answered the phone in front of me because she didn't answer it once that night. At that time, the blood vessels really burst (my wife didn't know that I was an online loan). The result can be imagined. .....

So although it is formal, it is impersonal. Otherwise, how can people make a profit of 654.38+0 billion a year? Online lending is as deep as the sea, and the road to online lending is long.

I am the smile of Bihai's life, and I am glad to answer this question for you.

Zhaolian Finance is a licensed consumer financial institution jointly established by China Merchants Bank and China Unicom with the approval of China Banking Regulatory Commission. It has two major consumer financial product systems, namely "good loan" and "credit payment", to provide users with all-inclusive consumer credit services with no guarantee and low interest.

The following is the basic situation of Zhaolian Finance Company. If you are not interested, you can drop it down directly.

I used Zhilian's good-term loan products a few years ago. Let me tell you about my experience.

For first-time users, it is quite easy to apply for quotas. Fill in the basic information and you can get the quota, but the quota is very low. It's the first time for me to use it on Zhibao, and I only got the line of 1 100 when Sesame Credit was close to 670. (covering your face and blaming yourself ...), the interest rate is seven ten thousandths a day.

Then in more than a year, the quota rose to around 5000. The interest rate has always been seven ten thousandths.

Then there is a useless joke, and then the platform sends out advertising information and various preferential recommendations more frequently, you know. ......

Later, something happened and it was used again. The quota rose to about 1 1000, and the interest rate dropped to 6.5 ‰.

Every Wednesday is a member's day, and you can grab five yuan, or 10 yuan, or a coupon with a 15% discount rate, and so on. It was easy to get coupons or deduction coupons at first, and then I couldn't get them anymore ... I was depressed ... I felt that this platform had no feelings for an old customer who never overdue. ...

Haha, don't talk nonsense.

To sum up, this platform has the following impressions:

First, the interest rate is higher than that of well-known big platforms, but it is not outrageous.

Second, the quota is rising slowly, and customers want to increase the quota, which requires higher qualifications.

Third, the quota is easily frozen. For some reason, asking customer service can't solve the problem.

Fourth, you can turn around on this platform for emergency use, but it is not recommended if you use it for a long time.

Fifth, it is better than those unreliable small platforms.

It's a regular platform. Zhaolian Consumer Finance Company is a consumer finance company jointly funded by China Merchants Bank and China Unicom, with a registered capital of less than 3.9 billion yuan. Founded on 20 15, China Unicom and China Merchants Bank each hold 50% of the shares, with strong shareholder background. As of June 20 19, there were 27 consumer finance companies approved nationwide, which were supervised by CBRC and belonged to licensed banks. Of course, there are also some consumer finance licenses applied by private enterprises, such as Xiaomi and Suning.

Zhaolian Consumer Finance Company, like other consumer finance companies, is an institution that provides personal loans. Compared with bank loans, the interest rate is higher, but it never reaches the interest rate of usury companies, making up for some customers that banks can't cover, just like banks. Specific product information can be found in official website.

Zhaolian Finance is a consumer finance company jointly established by China Merchants Bank and China Unicom with the approval of China Banking Regulatory Commission. It is a licensed online lending platform and a representative of the bank's consumer finance company. At present, it has two major consumer financial product systems, namely "good loan" and "credit payment", which provide unsecured and unsecured cash loans and consumption installment.

Zhaolian Good Loan cooperated with Alipay's Sesame Credit earlier to issue micro-credit loans to some users with high sesame scores. After being stopped by supervision in the later period, loans were issued through channels such as China Merchants Bank APP. The credit limit can be independent of China Merchants Bank credit card.

Specific products include "Zhilian Good Term Loan", "White Collar Loan", "Owner Loan", "Provident Fund Loan" and "Students' Leisure Flowers". Consumer scenes cover education, medical care, medical beauty, home improvement and many other fields.

When using consumer financial products, we must do what we can to prevent excessive debt. If you encounter vicious collection, usury or routine loan, you can complain to the Mutual Fund Office or keep evidence to report to the police.

Reliable is definitely reliable.

I Zhaolian Finance is a licensed consumer financial institution jointly sponsored by China Merchants Bank and China Unicom with the approval of China Banking Regulatory Commission. It has two major consumer financial product systems, namely "good loan" and "credit payment", to provide users with all-inclusive consumer credit services with no guarantee and low interest. He is a licensed financial institution, so the reliability is certain.

Second, its main products:

1. Cash loan: namely, loan products such as "loan with good term", "white collar loan", "owner loan", "provident fund loan" and "students' leisure spending".

2. Staging Mall: Using the credit line of Zhaolian, you can spend first and then repay, which can be divided into 24 installments, and you can enjoy interest-free and fee-free overdraft consumption and installment shopping discount.

3. Credit life: provide medical care, education, beauty and other scenes, and provide services by stages.

Students' spare money: provide credit loans and installment consumption services for students in school, support undergraduate, master and doctoral applications, with ultra-low interest rate, and pay back as you borrow, without any handling fees.

Although it is reliable, it is a consumer finance license after all, and lending is basically unsecured and unsecured. Its interest rate is higher than that of banks, so it gives people a feeling of being unreliable. Although the interest rate is high, it is by no means usury, so we can still consider the real need for money. Try to choose a bank first. After all, the interest rate is low. I hope it works for you.

First of all, Zhaolian Finance is a formal platform, which was jointly established by China Merchants Bank and China Unicom and approved by China Banking Regulatory Commission. At the same time, it also holds the license of a formal financial institution. Based on the strategic objectives of "Pratt & WhITney mission, innovation drive, core competence and ultimate experience", it has formed five major aspects: multi-product design capability with experience as the core, effective real-time risk control capability, quick response IT support capability and professional operation service capability.

At present, Zhaolian Finance has three major consumer financial product systems, namely "good loan", "credit payment" and "odd little flower", which provide users with unsecured and low-interest consumer credit services, so that users can fully experience the convenience of credit consumption.

Among them, the credit payment of Zhaolian Finance is mainly that users can purchase in installments through its own Feitian staging mall. Users can pay directly through credit payment, enjoy the service of shopping first and then paying, and then return the loan amount to the credit payment account on schedule.

Zhaolian Good Term Loan is a consumer loan product launched by Zhaolian Finance for white-collar users, and users can borrow directly online. Good loan is a loan product that combines white-collar loan, car owner loan and provident fund loan. After the user applies for a loan with a good loan, the loan funds can be directly used for home improvement, education, tourism, or the purchase of large furniture and electrical appliances.

At present, Zhaolian Finance adopts a full-line application, without mortgage, and the approval is extremely fast. The maximum credit line is as high as 200,000 yuan; At the same time, Zhaolian Finance currently indicates that it can lend money as soon as 1 hour, and the minimum daily interest rate of credit loans is 2.9 ‰, which can be repaid as you borrow it.

Zhaolian Finance can borrow money, but unlike many private lending institutions, Zhaolian Finance is a consumer finance company approved by CBRC. Therefore, the borrower will also strictly check the borrower's credit information when borrowing money, so if the borrower fails to repay in the later period, his overdue record will enter the credit information system at the first time, which will affect his credit situation. Once the credit status is bad, you may be rejected when applying for other loans in the future. To sum up, we can see that Zhaolian Finance, as a loan product with the background of state-owned enterprises, has very good qualifications, and everyone can rest assured when using it. In addition, the borrower's application and use records in recruitment finance will be reflected in the personal credit report, so everyone should fully consider the individual's repayment ability when borrowing money to avoid adverse effects on personal credit and life due to overdue.

From the background, this company is a licensed consumer financial institution approved by China Banking Regulatory Commission. The threshold of consumer finance license is very high, and enterprises without strong background (such as banks and group enterprises) can't get it at all, so at present, only 27 companies in China have obtained this license. Among the 27 licensed consumer finance companies, Zhaolian has a strong background, because its shareholders are China Merchants Bank and China Unicom, two Fortune 500 companies. If none of this is reliable, what is?

Brief introduction of Zhaolian Finance Company

Zhaolian Finance Company is a licensed consumer financial institution of China Banking Regulatory Commission, which was jointly established by China Merchants Bank and China Unicom. Financial companies that provide cash loans and installment services.

Company product

1. Cash loan: namely, loan products such as "loan with good term", "white collar loan", "owner loan", "provident fund loan" and "students' leisure spending".

2. Staging Mall: With the credit line of Zhaolian, you can spend first and then repay, which is divided into 24 installments, and you can overdraw without interest or handling fees and enjoy the discount of installment shopping.

3. Credit life: provide medical care, education, beauty and other scenes, and provide services by stages.

4. Students' spare money: providing credit loans and installment consumption services for students in school, supporting undergraduate, master and doctoral applications, with ultra-low interest rates, which can be repaid as you borrow, without any handling fees.

Under normal circumstances, I think most of my friends should take over Zhilian's senior loan products through the "Zhilian Good Term Loan" under the original Alipay life number.

Its characteristic is that quantity is dynamic. Under normal circumstances, the initial amount of personal loans will not be very high, but in the course of use, if a good repayment record is maintained, the amount will continue to increase. The increase in the quota should also match the personal credit big data. If you have a bad personal credit record, the amount may not change or even decrease.

At the same time, the product quota of Zhaolian Finance's "Zhaolian Good Term Loan" is cyclical and can be borrowed repeatedly, just like most cyclical products. However, the circulation function of credit line is dynamic. If the personal credit big data is abnormal or overdue, the revolving credit line function may be closed.

For example, on 20 19, I received many inquiries from my friends about how the turnover line of recruitment was suddenly frozen.

Interest rate of Zhaolian Finance: Its interest rate is the same as that of most relatively formal platforms, such as lending treasure and online business loans. Usually, the daily interest rate is fifteen thousand, and the monthly interest rate is one point five. It can be said that the interest is still relatively high, but it has a recycling function, and the dosage will increase with the use, which is very helpful to solve the temporary short-term needs of individuals.

Grace period for repayment: At first, there is a three-day grace period for good loan repayment. These three days, at most, are SMS reminders, and there will be no customer service call reminders. But since last year, as long as there is no repayment on the repayment date, it is inevitable to make a phone call manually the next day. It is estimated that there are also many thunderstorms on major platforms, and the risk control of recruitment is strict.

Many friends may still know the product very well. Since last year, Zhaolian began to freeze some customers' revolving loan products, because from 18, P2P overdue repayment began to break out in a large area. On 19, in order to control risks, Zhaolian began to freeze the quotas of some customers with risks or potential risks, but they could not get them out.

But in my opinion, although this is the consistent trick of many platforms with revolving loan function, it is counterproductive. Originally, many friends with financial difficulties could lend out for a while because of the revolving loan function, but once the platform was frozen by the wind, many people were unable to repay it and began to enter the overdue state.

Actually, I know the reminder receipt of Zhilian. Like other platforms, collection is outsourced after all. Outsourcing collection company routines are similar, telephone bombing, language threats, in short, things that do not violate the foul bottom line will be done abstractly. However, at the beginning, the loan was not directed to the address book, so at most, the contact person was put down.

Of course, don't complain. After all, if you don't pay back the money, you can't let him not accept it. Whether you can say it at first or not, the collection is definitely inevitable. But it can be reminded that this kind of loan is only a civil loan dispute. If the borrower is unable to repay the loan, at most, he will sue the court to bear civil liability, but of course he will not bear criminal liability, because many collections will deliberately intimidate the borrower, call the police to sue, and will put the borrower in jail.

Zhaolian Consumer Finance is a legal and compliant formal consumer financial institution approved by China Banking Regulatory Commission. The loan products launched are also legal and compliant from the interest rate point of view, and do not exceed the relevant regulations. The loan product of Zhaolian Consumer Company is a formal platform.

For many people, they only know the Internet lending platform of Zhaolian Consumer Finance, but they don't know the organizational structure of the company. Here, let's talk about Zhaolian Consumer Finance, which institutions were established.

I believe everyone is familiar with China Unicom and China Merchants Bank, which are national commercial banks. Zhaolian consumer finance is actually the consumer finance formed by the above two companies. The company is registered in Qianhai, Shenzhen, with a registered capital of 2 billion yuan, and both shareholders hold 50% of the shares. Wang Xiaochu, chairman of China Unicom Group, served as the company's chairman, and Tian Huiyu, president of China Merchants Bank, served as the company's vice chairman.

At present, Zhaolian Consumer Finance has launched two loan products: good term loan and credit payment. The average interest rate of both products is within 36%, but the interest rate is not fixed. Interest rates fluctuate with applicants and individual credit reporting agencies. They are all credit products, because the risk control system of China Merchants Bank is behind, and the interest can be calculated on a daily basis.

However, judging from the epidemic situation, Zhaolian consumer finance is not too humanized. Although users are given a certain delay in repayment, it is only a three-day grace period, which is not allowed for users whose bills are overdue. Consumer financial institutions launched by China Unicom and China Merchants Bank, one of the three major operators, should not be too capricious during the epidemic!

To sum up, although Zhaolian Consumer Finance is a formal institution, it is not recommended to use it frequently in the process of use, because once the product is used, it will be queried and reported to the central bank for credit information, and frequent use will affect personal credit information records.