Is Didi loan closed?

202 1 Didi loan is indeed off the shelf, but it does not mean it is closed.

First, Didi Loan is a white list system, which can only be opened by invited drivers. You may see a quota after opening it, but every time you borrow a Didi loan, you must review the qualifications of the borrower. Once your current qualifications do not match, you will naturally not lend you money.

Second, Didi Loan is a loan product under Didi Finance, with a maximum loan amount of 300,000. Its application threshold is also relatively low, as long as you provide personal identity documents and bank cards, you can apply. However, many users have reported that Didi Loan is limited, that is, it does not lend money, but it does not lend money because of personal credit problems: when applying for Didi Loan, you need to check the borrower's credit. If the borrower's credit declines or has a bad record on the Didi platform, it is easy to refuse to lend. Personal repayment ability is insufficient: information such as personal income is required to apply for Didi loan. If personal debt is surplus income, it is likely that Didi loan will not be lent out for risk reasons.

Third, the reason why Didi Loan is not given to the lender is because the ID card has expired. The ID card is valid. If the ID card expires and the system cannot detect the authenticity of the applicant, it will refuse the loan. Credit decline. Didi loan has very strict requirements for the applicant's credit information. If the applicant's personal credit information is overdue recently, the system will directly refuse the loan. Insufficient repayment ability. Didi loan attaches great importance to the borrower's repayment ability. If there are a large number of outstanding debts, which have basically reached the limit of repayment, it will lead to the inability to borrow Didi loans.

Fourth, in fact, "Didi Loan" products appeared as early as a few days ago and were targeted by some online loan intermediaries. As early as before, there were online loan agents who advertised that "as long as you run through Didi, you can get money at a faster speed". The post claimed that the opening of this loan was "Didi Loan", the application method was "Didi Driver" and the loan amount was "up to 30w". In addition, "Didi Loan" adopts an invitation system, which requires the number of Didi lists of platform applicants, and also inquires about the applicant's credit information. Since then, "Didi Loan" has gradually appeared on the passenger's Didi platform. However, it has not yet been fully opened to the outside world, and Didi Platform has not responded to this.