Is Didi Driver's Didi Loan Real?

Didi driver's Didi loan is real. The interest rate is very high.

Didi Loan is a loan service launched by Didi Finance. It relies on Didi's travel ecology and financial inclusive demand scenarios, platform technology and big data risk control capabilities to create an innovative consumer credit model and provide users with Internet credit services. .

Didi loan adheres to formal licensed operation, and cooperates with many licensed and compliant financial institutions such as domestic commercial banks and consumer companies to provide users with financial products? .

Introduction of Didi loan

The maximum loan amount for one household is 300,000 yuan, which supports repayment with borrowing, quick arrival and ultra-low interest rate. The entrance of "Didi Loan" is in Didi Travel APP, and the page shows "Your little dream, we will help each other". Users need to make an appointment to get the loan amount, which is currently only open to users on the white list.

According to people familiar with the matter, Didi acts more as a "platform" to provide diversion and data support for products, and the source of funds behind it and the final risk control auditor are not Didi, but a formal banking institution that cooperates with it. The first cooperative bank was Wang Xin Bank.

At present, Didi has 450 million users and completes more than 20 million orders every day. This has accumulated a huge amount of user data for Didi, and you can use your own big data risk control system to initially screen users' credit. For example, whether users often take hitchhiking, express trains, special cars, and what are the consumption places, residential properties, and work units. But their destinations, including their travel rules, can be used as part of big data.

Refer to the above? Baidu encyclopedia? Didi Loan, Phoenix Net? Didi quietly launched "Didi Loan"