Is it reliable to spend money right away?

Financing a pony flower right away is not reliable. It's just a small online loan, and you can also understand it as a regular loan.

First, the basic information of Pony Flower Card.

Pony flower card is a revolving credit line product under immediate consumer finance, which is shared with comfortable credit line. If you fail to apply for a comfortable loan, you can apply for a small twist card without conflict. If you have a comfortable spending limit or instant loan limit, you may not be able to apply. You can open it by clicking "Pony Flower Card" on the homepage of EasyFlower APP or EasyFlower WeChat applet and clicking "Open Pony Flower Card Now". After opening, copy the card number of Weizhong Bank, and then open WeChat wallet-bind Weizhong Bank Card. When WeChat pays for consumption, choose "Weizhong Bank Card" to pay, you can use Yihua Loan or bind Alipay, and you can use Yihua Loan.

Second, the interest on online loans is very high.

Many people may borrow online loan products for various reasons. The annualized interest of online loan products is actually very high, and the lowest can reach 18% or more. At the same time, the interest of bank loans is generally between 5%- 10% per annum, and the highest is only 18%. In the case of user characteristics, it is best for users not to contact any online loan products to avoid being affected by the high interest rate of online loan products.

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 26 If the interest rate agreed between the borrower and the lender does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.

Article 28 After both borrowers and borrowers settle the principal and interest of the previous loan, they will include the interest in the principal of the latter loan and issue a new certificate of creditor's rights. If the previous interest rate does not exceed the annual interest rate of 24%, the amount specified in the reissued creditor's rights certificate can be confirmed as the later loan principal. Excess interest cannot be included in the future loan principal. If the agreed interest rate exceeds the annual interest rate of 24%, and the parties claim that the excess interest cannot be included in the later loan principal, the people's court shall support it.