Can Meituan get a loan? Is the interest high?

It is reliable for Meituan to borrow money, and the loan interest of Meituan is still relatively high.

Meituan's loan interest is generally charged on a daily basis, and the daily interest rate does not exceed 0.05%. In addition, no other fees are charged. Generally, 1 10,000 yuan is borrowed from the US Mission, and the total interest generated every day should be 10000×0.05%=5 yuan.

Extended data:

First, the interest comparison of borrowing money, spending money and borrowing money by Meituan:

1, interest algorithm of Meituan borrowing money: calculated by day, the general daily interest rate is 0.05%. That is, if you borrow 5000 yuan from Meituan, the interest of 1 day is (5000 * 0.05%)2.5 yuan, and 1 month is calculated as 30 days, and the interest of 1 month is 75 yuan. Of course, this is just a general interest rate, and it may be adjusted according to the actual situation.

2. Loan interest algorithm: calculated on a daily basis, the average daily interest rate is 0.04%, that is, if you borrow 5,000 yuan from the loan, the interest of 1 day is (5,000 * 0.04%) 2 yuan, the interest of 1 month is 30 days, and the interest of 1 month is 60 yuan. There are also differences, which should be based on page display.

3. Interest algorithm for spending money: calculated on a daily basis, the average daily interest rate is 0.05%, that is, borrowing 5,000 yuan, and the daily interest rate is, 2.5 yuan, borrowing from Meituan. But the specific page display shall prevail.

In addition, although Meituan Loan shows that the minimum daily interest rate is 0.02% in the "Receiving Quota" interface, not everyone can get such a low interest rate. As far as the general interest rate comparison is concerned, Meituan borrows money slightly higher than Lending Bao.

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Second, does Meituan Loan have a credit report?

1. Meituan Loan refers to the living expenses of Meituan. Meituan users need credit authorization to apply for living expenses. Meituan will decide whether to lend money according to the user's credit information. After the user successfully applies for a loan, the loan records and repayment records will also be uploaded to the credit information system, so Meituan loans on credit information.

2. If the borrower fails to repay the loan on time and is overdue, Meituan will upload the overdue situation to the credit report, and the borrower's personal credit report will leave a bad record. In the case of paying off debts, bad records will be automatically eliminated after 5 years.

Third, how to apply for a loan from Meituan?

The operation method of Meituan loan application is as follows:

1. After logging in to Meituan app, click on my wallet.

2. choose to borrow money.

3. Bind the bank card and upload the ID photo.

4. Enter the loan amount, submit it and wait for approval. Under normal circumstances, the loan will be released immediately after approval, but the loan amount cannot be higher than the maximum amount set by the system.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version:11.15.438+0.