There are more and more online lending platforms, and borrowers are often needed to identify the reliability of the platforms. Generally speaking, the fees for large platforms are more open and transparent, and there are many routines for small platforms, which is easy to into the pit. Today, let's evaluate whether everyone's loan is reliable. Basic situation of renren loan: renren loan is an information service platform in peer-to-peer lending. The main business of the platform is to provide loan information services for users with financial needs and loan needs. The platform itself does not participate in lending, and the loan funds of users come from the investment funds of financial users on renren loan platform. In 216, Renren loan was connected to the capital deposit of Minsheng Bank, and the fund depository bank handled the capital flow of borrowers and investors. For borrowers, Renren loan platform has set certain threshold conditions, and each lending fund will be distributed to more borrowers. In terms of interest, the comprehensive cost of Renren loan platform is not low. If you want to know whether Renren loan is reliable, you can pay attention to the filing progress of Renren loan. Charges for everyone's loan: the current annual interest rate through everyone's loan is 12%-24%, and the interest generated by a loan of 1, yuan is 1,2-2,4 yuan a year; Loan products and loan terms are different, and the interest rate of repayment is also different. Xiao Bian believes that the annual interest rate of online lending platform is higher than 2%. In addition to the interest generated by loans, Renren may also charge account management fees and loan service fees. The specific quota platform is not specified, so it is recommended to consult customer service directly. Generally speaking, Renren Loan is a reliable platform, and the loan interest is not too high. If the account management fee and service fee charged are relatively high, the comprehensive fee will be relatively high. Please consult the customer service of the platform for the specific amount of management fee and service fee, so as to prevent excessive fees from bringing extra fund burden to yourself.