I just came to Dafeng for a month and saw that many mobile phone chain stores in Dafeng Back Street were marked with "installment payment, down payment of xxx yuan". Requirements: work permit, salary card. The installment payment of mobile phone chain stores actually means that you signed an agreement with a third-party online loan company, and the mobile phone store has already received the full payment when you signed the contract.

The interest of online lending companies is generally higher.

Whether it is genuine or not has nothing to do with the way you buy and pay.