What will happen to Du Xiaoman who applied for a loan by SMS?

After Du Xiaoman applies for a loan, he will receive a text message from Du Xiaoman, which is generally no problem. Du Xiaoman Finance currently uses leading AI technology, so his review and lending speed is relatively fast. After applying for a loan, the audit results will be given in a few minutes. In general, the audit is completed within one hour. After the loan is approved, the user will receive a mobile phone message telling whether it has passed the audit. After the loan is approved, you can receive the loan within two hours, not more than five minutes at the earliest.

First, the process of borrowing money from Xiaoman Finance

First, open the login page of Xiaoman Wealth Management APP, click to view my quota, complete the identity authentication, and obtain the loan quota. Then click I want to borrow, fill in the amount to be borrowed, collect relevant information such as bank cards, and apply for a loan. Under normal circumstances, the 1 loan requires the approval of identity information, which is also to ensure the safety of the borrower's funds. After the application, you will receive a short message from Xiaoman, and you will receive Xiaoman's loan amount within half an hour after the loan is successful. At present, Du Xiaoman does not support binding credit cards, but only supports the borrower's savings card.

Second, what will be the impact of overdue?

At present, Xiaoman financial platform is also a formal loan platform supervised by the state, and credit information is collected at the meeting. If you are in loans overdue, you will first remind the repayment by phone message. At the same time, the overdue money will be charged interest at 0.5 times the normal interest rate of 65438+, which is also a great repayment pressure for the repayment person. In addition, if the loan is not repaid for a long time, it will be collected by a meeting. If the loan is collected, it may affect the subsequent loans. Therefore, it is suggested that the borrower must pay off the loan as soon as possible. If you really don't return it, you can also negotiate with Xiaoman Financial's manual customer service.

Third, finally, we must choose a formal loan platform. When borrowing money, you must do what you can, repay it in time, and maintain a good personal credit record.