Lend You Hi is a mobile phone software of consumer installment type, which mainly provides consumer installment loan service to wage earners with financial needs. The loan product provided by Lend You Hi is called: credit card fast loan. To apply for credit card installment business, the applicant needs to carry out the following verification: ID card verification, life verification, e-commerce authorization, bank card authentication, credit card authentication, real-name authentication of mobile phone number, sesame authentication, and the applicant also needs to fill in contact information, work information, central bank credit report, bank running information and other materials. The processing flow is: 1. Download the mobile app that borrows you and register as a user who borrows you; 2. After selecting the "credit card installment" product on the homepage, you need to improve the applicant's personal basic information according to the prompts and fill in the loan application; 3. Lend you to review the information submitted by the applicant; 4. After the approval, the quota can be obtained; 5. Click "Quota Use" on the homepage of the mobile app to apply for installment. Users need to fill in the installment quota within the credit line, select the repayment period, sign the installment agreement after confirmation, and submit the installment application; 6. Borrow you to approve the submitted application. Generally, only users who meet the conditions of lending you money can get loans. Lend it to you. Hi. At present, the credit card installment amount is 1000-50000 yuan, and the installment number is 12 and 18.

Lend you money to get credit information?

After the installment business is handled on the platform, the borrower needs to repay the arrears in accordance with the regulations and shall not be overdue. If the borrower fails to repay the loan on the repayment date, the platform will consider the borrower overdue, resulting in overdue fees. If the borrower's overdue time is less than 30 days, a late fee of 0.25% of the remaining unpaid amount will be charged every day; If the overdue time of the user reaches 30 days, a late payment fee of *0.5% of the remaining unpaid amount will be charged every day, and a penalty of 10 yuan will be paid.

For example, if the borrower borrows 10000 yuan, repays 5,000 yuan, but fails to repay 5,000 yuan, and the current period is overdue 10 day, the overdue fee to be paid is 5000 * 0.25% *10 =125 yuan; If the user is overdue for 30 days, the late payment fee is: 5000*0.5%*30=750 yuan. The longer the overdue period, the more late fees.

In addition, if the borrower is overdue, Lending Hi platform will upload the borrower's overdue records to the blacklist of online credit information system and China Credit Network, leaving a stain on the borrower's personal credit.