Legal.
1. From the background of the company
It was established at the end of 2010 and has a formal financial license approved by the China Banking Regulatory Commission. The parent company is Home Credit Group, which is relatively strong and has a license. It means legal.
2. From the perspective of business scope
It operates in 9 countries, 29 provinces and municipalities, and 312 cities. The coverage is relatively wide.
3. Judging from the product price list
Irregular announcements and updates ensure the right to know.
The interest rates are clear and transparent. For example, consumer loans, the loan principal ranges from 500 to 25,000 yuan, the installment is 3-12 months, the daily interest rate (simple interest) is 0.066, and the annual loan interest rate (simple interest) is 23.76 , within the scope of judicial protection, that is, the annual interest rate is less than 24.
4. From the perspective of user privacy and rights protection policies
Bank withholding, uploading consumption vouchers, account and system security, customer service functions, personal information authorization, information storage, and information protection etc. are clearly stated, and users are accepted to complain to the consumer rights protection department or file lawsuits with the court where Home Credit is located. This shows that Home Credit is still confident in its lending, attaches great importance to service, and accepts supervision and review.
You only need to search for "Xiaoqi Credit Check" to query your own credit data. The data comes from more than 2,000 online lending and UnionPay platforms across the country. Users can obtain various indicators, such as personal credit status, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan estimated credit limit and other important data information. Just click Query and enter the information to complete the query.
Extended information:
Is Home Credit Financial Loan legal?
Legal.
Home Credit Consumer Finance is a formally licensed consumer finance institution and is qualified to lend. At the same time, the annual interest rate of its loan products does not exceed 36, so Home Credit Financial loans are legal. Of course, some users think that Home Credit’s interest rates are on the high side, but when interest, service fees, management fees, liquidated damages and other fees are all added up, the annual interest rate does not exceed 36. Therefore, Home Credit’s interest rates are on the high side but legal.