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Main functions
Cash loan: Users can apply online with ID cards and other materials, and the limit can be up to 300,000 yuan. The loan can be disbursed in as fast as 1 minute. Interest is calculated on a daily basis and can be borrowed and repaid at any time.
Installment consumption: Provides "credit payment" service, allowing users to consume first and then pay in installments at cooperative merchants, up to 24 installments, and enjoy interest-free discounts in some scenarios.
Credit evaluation: Based on big data and intelligent risk control models, real-time assessment of user credit status and dynamic adjustment of limits and interest rates.
Flexible repayment: Early repayment and partial repayment are supported, and some products can be extended through negotiation (subject to meeting conditions).
FAQ
1. Issues related to quota
The quota is 0 or frozen:
Reasons: failed credit evaluation, excessive debt ratio, overdue records, account abnormalities (such as frequent modification of information), system risk control adjustments.
Solution: Maintain a good credit record, reduce the debt ratio, and contact customer service to verify the account status.
Quota increase:
The system will dynamically adjust according to the user's credit status. Keeping repayments on time and active use can increase the limit.
2. Loan and repayment issues
Loan failed:
Reasons: Insufficient credit, incomplete information, and busy system.
Solution: Supplement information, check credit status, and try again later.
Repayment failed:
Reasons: Insufficient bank card balance, banking system problems, network abnormalities.
Solution: Make sure the bank card status is normal, check the balance, change the repayment method or contact customer service.
Overdue processing:
Overdue payment will incur penalty interest and affect your credit record. It is recommended to repay as soon as possible. Some users can apply for negotiated repayment (certificating materials are required).
3. Fees and interest rates
Interest rates and fees:
The annualized interest rate (simple interest) starts as low as 6.9%, subject to the approval results.
Except for interest, there are no other hidden fees (except for late penalty interest).
Early repayment:
Supports early repayment, and some products may charge a small handling fee (subject to the contract).
Merchants Union Financial update log:
1. Sweep the bug out and carry it out to the end
2. The most stable version ever
Huajun editor recommends:
It is one of the best in leisure and entertainment. With its comprehensive functions and simple operation, it has won unanimous praise from users. Come and download it and try it. The editor has also prepared for youHarvest Internet,Shizuishan Bank,Jiangnan Rural Commercial Bank,Zhangjiakou Bank,Everbright Trust
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