Unreliable. In addition to interest, he also charged extremely high service fees. I was deceived. I borrowed 30,000 from Zendai in October 2014. It was said that the interest was 2.38, but in fact he also had For a service fee of 15,000, you not only have to repay the principal of 30,000 but also the service fee of 15,000, and then you also have to pay back the interest of 2.38. I originally borrowed the money and repaid it in three years, and I need to pay it back until October 2017. The monthly principal and interest is 1547.33, which is 55703.88 after three years. According to this calculation, the interest is not 2.38 at all. They are just deceiving people. When they said interest, they did not mention their service fee. I borrowed 30,000 yuan from Zendai, divided into 3 years. Also, before signing the contract, I asked the salesperson if early repayment would result in less interest. He vaguely told me yes. Later, when signing the contract, they kept asking for signatures and had no time to look carefully. Later, the loan was approved. I just found out that I was deceived and paralyzed. I borrowed 30,000 yuan. In the end, I had to pay back 55,704 yuan with interest, which was more than 50,000 yuan. And even if I paid back the money in advance, I still had to pay back 55,704 yuan. I blamed myself for being anxious at the beginning. I am blind with money. The interest rate they told me by the salesperson or their collection staff is not consistent with the actual situation. For a loan of 30,000 yuan, their service fee alone is only 15,000 yuan, and the remaining 10,000 yuan is what they call interest. , it’s just a scam, and I hope friends who want to borrow money will carefully read every clause. Zendai’s loans are completely deceiving consumers. Today I called the salesperson and they gave a hesitant answer. Later, He confidently said that when you signed the contract, we all said that you were invited, but in fact, he didn't explain it clearly at all. He only asked for the signature to be fingerprinted, and the specific repayment amount was on the reverse side of the signature and fingerprint. This was how they designed it when printing. Don't let us see it. If it's not a life-threatening matter, I don't recommend you to go to Zendai for a loan. Even if you apply for a credit card installment, there is such a high interest rate. I really hope that everyone will take a warning and be careful about borrowing money. I would also like to remind everyone, If it is expected that Zendai will not only charge overdue interest, but also notify all the friends who have the backup phone number you left, which can be regarded as embarrassing and threatening you, they will also send people to block the downstairs of my company. It is also very serious to block the block at home. It’s normal to eat. They will come up with all kinds of ways to get you to repay the money. It’s not too much to say that the hook is justified. It’s actually as bad as private lending. Baidu replied that you can’t take pictures. If you can take pictures, I will definitely give up the contract I signed. Take photos for everyone to see and deceive people to death!