Is Gome Easy Card a formal loan? Look at these three aspects to know the judgment.

Gome Easy Card is a consumer finance platform under Gome Credit Co., Ltd., which can provide both consumption staging and cash withdrawal. This cash withdrawal function is what we usually call a loan. So, is Gome Easy Card a formal loan? We need to analyze it from different aspects and let everyone judge for themselves.

Is Gome Easy Card a formal loan?

1, from the platform background.

Gome Easy Card is the platform of Gome Credit Co., Ltd., and Gome Credit Co., Ltd. is also the platform of Gome Finance. The background of the platform is an operating organization with formal business license and financial license, which belongs to the core members of Gome Holding Group. Gome has developed for more than 30 years, and Gome has 1700 stores in more than 400 cities across the country. The advantages of the platform are still great.

2. From the perspective of product interest rate.

The annualized interest rate (simple interest) of Gome E-card loan is in the range of, which is in line with the national legal protection regulations, that is, the annual interest rate of the loan does not exceed 24%, the better the user's comprehensive credit, the smaller the risk, the lower and lowest the annualized interest rate of the loan, the maximum credit line is 200,000, and the longest repayment can be divided into 12 installments, which is flexible and stress-free.

3. From the perspective of entering the credit information system.

Gome Easy Card is connected to the credit information system of China People's Bank, which not only responds to the regulatory requirements of relevant departments, but also ensures the recovery of lending funds through the influence of credit information. When applying for Gome E-Card, users need to agree to authorize credit reporting and other related agreements. If the user fails to repay the loan within the time limit, he will truthfully report the overdue situation to the central bank.

The above is about "Is Gome Easy Card a formal loan?" I hope I can help you.