How about an installment loan?

More reliable, because Qianjin installment loan APP is a formal platform and has a business license, so don't worry about being cheated.

The platform is committed to providing an honest, fair, safe and transparent Internet financial service platform for both investors and financiers, which can solve the financial difficulties for lenders quickly and quickly, and at the same time enable investors to obtain stable and safe income.

Data expansion:

How to distinguish the loan platform

1. Is there a fixed business place?

Formal small loan companies have fixed business premises and contact information, while informal companies generally only have a website and a mobile phone number. The online loan APP is too simple, sometimes it can't be opened. It is best to check the details of the loan platform in advance.

2. Is the loan procedure too simple?

Looking for a regular small loan company to apply for a small loan, the borrower needs to provide valid identification, work certificate, income certificate and other materials, so those who claim that they can borrow money only with their ID cards or household registration books are either usurers or liars.

3. Is there a charge before the loan?

We must bear in mind that formal microfinance companies will not ask borrowers to pay any fees before issuing credit loans. At present, many loan sharks will charge in advance in various names, such as management fees, handling fees, security deposits and so on. Actually, it's beheading, which is irregular.

4. Is the certificate complete?

Formal microfinance companies hold business licenses, business licenses and other materials, and borrowers must check the integrity of documents when looking for microfinance companies.

The consequences of loans overdue:

1, resulting in penalty interest.

Although the policies of each lending institution are different, on the whole, banks will be more accommodating than small loan companies. Credit loans overdue, the lender will first collect the loan, remind the borrower to repay, and the interest rate will rise as a daily penalty.

2. Bad credit records will be generated, which will affect future loan and credit card processing.

Every day after the overdue occurs, the names of the parties will appear in the internal system of the bank at the same time. After the deadline, the credit report will inevitably leave a bad record. If you want to borrow from other banks in the future, your application may be unsuccessful because of bad credit. If the overdue situation is serious, the mortgage and car loan will be affected in the future. Penalty interest is only the loss of money, while bad credit records are the loss of intangible assets, and the impact is irreparable by money.

3. You can't enjoy preferential loans or even apply for loans.

When many people apply for a mortgage again, they find that they have left too many overdue repayment records on the old mortgage because of carelessness. In addition to the penalty interest for overdue mortgage repayment, they may not be able to obtain the preferential interest rate of bank mortgage smoothly. What's more, it is impossible to apply for a mortgage.

4. Being blacklisted, children can't go to key schools.

For some "Lao Lai" who deliberately delay bank debts, they will be blacklisted. So that you can't fly, high-speed rail, accommodation, etc. ; More seriously, children will not be able to go to key schools; There will be more punishments in the future, so it can be said that life is hard.