Generally, it is 50,000-200,000 yuan, which needs to be determined according to your credit evaluation. How much you can borrow from Xiaoman Finance, that is, the credit line, is given by the platform after comprehensive evaluation based on your credit status and repayment ability, and the maximum is no more than 200,000 yuan. Generally speaking, the better a person's credit information, the higher the loan amount. On the contrary, the worse a person's credit information is, the lower the loanable amount is. Small full financial credit loan, the maximum amount is 200,000, the annualized interest rate is as low as 7.2%, and the longest loan can be 24 months. /kloc-Non-student users aged 0/8 ~ 55 can apply for credit by providing their mobile phone numbers, second-generation ID cards and their bank cards. The system automatically approves loans, and some people may need manual review.

Operating environment: OPPOReno6 degrees Xiao Man finance 6.9. 1

First, is fullness reliable?

It is safe to spend a small amount of money. It used to be a financial service platform under Baidu, which is naturally formal and reliable. And according to user feedback, there is no beheading, usury and so on. In Xiaoman Finance, there is no extra charge. Xiaoman Finance's partners are well-known banks such as Agricultural Bank and Minsheng Bank, licensed formal financial institutions such as Bosera Fund, harvest fund and Everbright Securities, and large insurance companies such as Pacific Insurance.

As for Xiaoman Financial's products, there are mainly Baidu spending money, Xiaoman wealth management, Baidu wallet and so on. These products are quite famous. Among them, Baidu has the money to provide personal consumer credit services; However, Xiaoman Finance provides various types of wealth management products; Baidu Wallet is an online payment application and service platform that provides online payment services. Of course, platform security does not mean that all products are safe, especially wealth management products will have different risk levels. If you choose high-risk products (such as funds), you may lose money.

Second, the application process of spending small money

1. Apply for the quota: If you have money to spend, you need to apply for the quota first, and then apply for a loan after you successfully get the quota. Click "View Quota" on the page with money, and then complete my identity authentication according to the page prompts, wait for the quota approval, and get the quota in real time. The specific quota and interest rate shall be subject to the actual examination and approval results.

2. Apply for a loan: After obtaining the quota, click "I want a loan" to enter the loan page, enter the amount you want to borrow, fill in and select relevant information according to the page prompts, and submit the application after confirming that all the information is accurate.

3. Security verification: In order to ensure the security of your funds, you need to verify your identity information after submitting the loan application for the first time. You can follow the prompts on the page.

4. Waiting for the loan: Waiting for the loan to be approved. After the loan is approved, a short message will be sent to users to remind them that the loan has been successful. After the loan is approved, the loan will generally arrive within 2 hours. But due to network or other reasons, the arrival time may be delayed. Please refer to the notice of the receiving bank card for the specific arrival time.

Third, the capital expenditure conditions of small full loans.

1, the age conforms to 18-55 years old, among which students at school are not allowed to apply;

2. I need to provide my original second-generation ID card and debit card during the application process. ID cards cannot use temporary id card, expired ID cards or first-generation ID cards; At the same time, the debit card will also become your loan bank card.