Frequently Asked Questions

Any individual aged 18 or above with full civil capacity can apply. Applicants need to provide valid ID, have a stable source of income, and maintain a good credit record. We welcome all eligible users to apply for our loan services.

Based on your credit status, income level, and repayment ability, we provide flexible loan amounts:

• Small loans: 1,000 - 10,000
• Medium loans: 10,000 - 50,000
• Large loans: 50,000 - 100,000

The exact amount will be determined by our system based on the information you submit.

We provide flexible repayment term choices to meet different user needs:

• Short-term: 1-3 months, suitable for short-term capital turnover
• Medium-term: 3-6 months, suitable for medium-term capital needs
• Long-term: 6-12 months, suitable for longer-term capital planning

You can choose the appropriate term based on your actual situation and repayment ability.

Our interest rates are transparent and determined based on your credit rating and loan amount, with no hidden fees. The interest rate range is typically 1.5% - 3% monthly, and the specific rate will be displayed after you submit your application.

We promise:

• No application fees
• No early repayment penalties
• No hidden fees
• All fees are clearly disclosed when applying

We provide multiple convenient repayment methods:

• Auto-debit: Link bank card for automatic debit on due dates, worry-free and effortless
• Online payment: Repay online through the app or website
• Bank transfer: Transfer directly to the designated account
• Early repayment: Early repayment supported with no extra handling fees

You can view your repayment schedule and records in the app, and we will remind you of repayment dates in advance.