Is consumer finance easy to pass in Jin Meixin?

Whether the approval of consumer finance loans in Jin Meixin is easy depends on whether the borrower is over 20 years old and has good credit; Have legal identity documents and are China residents; Non-school students, as well as other conditions stipulated by Jin Meixin consumer finance. Due to the different requirements of different loan products, the actual application requirements shall prevail. In addition, the main products of consumer finance in Jin Meixin are fast loans, life loans and leisure loans.

Does Jin Meixin borrow money to get credit information quickly?

Ultra-fast loan is a consumer loan product of Jin Meixin Consumer Finance. As Jin Meixin Consumer Finance is a licensed formal company, if customers repay their loans overdue, they are likely to be reported to the central bank for credit investigation, leaving a bad credit record on personal credit investigation.

As a financial institution approved by China Banking and Insurance Regulatory Commission, Jin Meixin Consumer Finance is not only the first consumer finance company approved to be established since the merger of China Banking and Insurance Regulatory Commission, but also the first cross-strait joint venture consumer finance company.

If the customer wants to apply for an ultra-fast loan, he can use Android and Huawei nova6 mobile phones to directly log in to the official website of Jin Meixin Consumer Finance to apply; Or download Jin Meixin Consumer Finance APP [V2.9.28] and apply in the App. You can also follow the official WeChat account of "Jin Meixin Consumer Finance" and apply for it.

The maximum loan amount is 20,000 yuan, but it depends on the qualifications of the applicant. Different applicant qualifications will lead to different audit results. Some people may successfully apply for ultra-fast loans, while others may not; Moreover, some people have higher approval, while others have lower approval.

Platform qualification

Jin Meixin Consumer Finance is a financial institution jointly established by Xiamen Jinyuan Financial Holdings, China Trust Commercial Bank and Gome Holdings, and has a consumer finance license issued by the Bank of China Insurance Regulatory Commission. Therefore, Jin Meixin consumer finance is a formal financial institution.

Borrowing mode

The loan mode adopted by Jin Meixin consumer finance is pure online application without face-to-face signing. In addition, consumer finance in Jin Meixin does not require the borrower to provide mortgage and guarantee. Therefore, the lending model of consumer finance in Jin Meixin is very safe.

Loan expenses

The loan cost of consumer finance in Jin Meixin is within the prescribed range, that is, the annualized loan interest rate does not exceed 36%. Therefore, the majority of borrowers do not have to worry about applying for "usury".

Collection method

Like other formal financial institutions, the collection methods of consumer finance in Jin Meixin are mainly telephone collection and SMS collection, and there will be no violent collection.