it's still reliable to borrow money from you and me.

The threshold is relatively low, that is, its interest rate is too high. The loan amount is 1 yuan, 2, yuan and 3, yuan, and the interest rate exceeds 1%. Moreover, the platform has to charge management fees. Comparatively speaking, the review speed of your loan is also relatively fast, and the application threshold is not high. Users can apply for loans according to their own qualifications and needs, and it is better to use the next mobile phone loan.

Extended information:

First, the background of your loan originated from the outbreak in peer-to-peer lending. To a certain extent, this online form of private lending has alleviated the outstanding financing difficulties of domestic small and medium-sized enterprises. Ma Weihua, president of China Merchants Bank, has said on many occasions that the combination of social networks and finance may have a subversive impact on the traditional financial industry. Looking at the entire financial product market, traditional financial products are also accelerating e-commerce. More and more financial industries use the Internet and other technologies to sell financial products, acquire new customers and complete customer service. Financial e-commerce has become a trend.

Strict audit before lending-You and I have an industry-leading audit team to conduct multi-channel, multi-angle and multi-dimensional multi-layer investigation and audit on customer data and credit reports to avoid fraud risks to the greatest extent.

effective monitoring during the loan-you and I have a professional customer service team, and the customer service manager keeps in touch with customers during the loan, provides good service, and monitors the repayment status in real time to avoid post-loan risks.

Post-loan tracking management-for overdue customers, you and I will remind them of repayment through various means, and professional collection teams and third-party institutions will carry out collection work and take legal measures to solve them if necessary.

second, your-me-loan financial technology platform was established in June 211. As a third-party service platform, it does not lend money, but only provides a series of related services such as credit consultation, evaluation, recommendation and fund adjustment and docking, and builds a bridge between investors and borrowers for fund allocation. Your loan platform is independently built and operated by Shanghai Your Loan Internet Financial Information Service Co., Ltd.

Third, investors should pay attention to the following points when choosing a lending platform:

1. Determine the borrower's loan amount, repayment period and the use of funds, and screen out a platform that is suitable for them, with controllable risks and moderate returns. High return on investment often means higher capital risk.

2. Compare whether different lending platforms have bank depository. If there is bank depository, the fund management of the platform is more formal and the lending process is more rigorous. Relatively speaking, such a lending platform is relatively safe.

3. Log in to official website, a lending platform, and check the transparency of operating data and information disclosure. A platform with good operating data is worth investing and borrowing. Because of its professionalism, bank lending platform is often the safest financial management loan platform, and what banks are best at is financial risk control. Therefore, for the borrower, the loan interest is reasonable and the investor's income is safe and reliable.