Is it reliable to borrow money from Aiyong Mall?

Not very reliable. Aiyong Mall is a loan product under the installment umbrella that we were familiar with in the early days. This loan platform is mainly for mobile phone installments, but after applying for a quota, the quota can also be withdrawn for use. However, the withdrawal limit has relatively high requirements for customer qualifications. Although many customers have a cash withdrawal limit, their borrowing fails when they withdraw cash. However, customers who fail to withdraw cash can choose to use their mobile phones in installments in the mall, which is also very helpful. There is a high probability of successfully placing the loan. After all, Aiyong Mall itself is a platform mainly engaged in mobile phone installments. It is definitely much easier to buy a mobile phone than to borrow a loan.

If Aiyong Mall applies to the platform to place an order for mobile phone installments, some products require a deposit of varying amounts, and all subsequent balances will be funded by Aiyong Mall. However, recently many customers have discovered that Aiyong Mall mobile phone payment The balance is directly transferred to the customer's bound savings account, and then the platform deducts the money directly. If the balance of the iYongmall mobile phone arrives, the customer can also choose to cancel the order. Subsequent repayments only need to be made according to the normal order repayment amount. . Some customers also reported that the mobile phones were shipped directly after passing the review. This should be related to the customer qualifications. It should be that some customers will receive the balance amount, and some customers will ship the mobile phones directly. If the customers receive the balance payment, they need to transfer it out in time, otherwise Subsequent payments will be directly deducted by the mobile platform.

Aiyong Mall currently does not check the credit reference when applying, and most of the subsequent payments will not be credit checked. A very small number of employers will check the credit reference, so customers who apply for the next payment should be careful. Take a look at the contract. After IYong Mall applied for a quota, some customers reported that they must purchase a membership before they can use it. This membership is not required, but you may be rejected after purchasing a membership, so I don’t recommend it. It is quite troublesome to purchase a membership and get a refund if the payment is not made later.

Aiyong Mall applied for a quota, but the loan failed every time. I chose a mobile phone with a price of more than 6,000 yuan. After paying a deposit of more than 300 yuan, it showed that it was approved, and then at noon I clicked and the remaining balance of nearly 6,000 to be paid for the mobile phone was deposited into my savings card account. After the payment was received, I transferred it directly to our Alipay. After about two or three minutes, the platform sent me a text message asking me to pay the balance and called customer service. I asked over the phone what to do if I used the funds myself, and the customer service said that I would just repay the money normally according to the bill. Some customers did not receive the balance payment after applying for a mobile phone, saying it was shipped directly.