At present, Atomic Loan consists of three loan products: Atomic Loan, Moonlight Foot, and Payment Loan. All three products are pure online micro-credit products, and all can be used for loan and repayment through the atomic loan app. Atomic loans and moonlight can also be repaid through the “Atom Credit” WeChat public account.

The application conditions for the three products are as follows:

All three products require: basic personal information, ID card photos, emergency contact phone number; in addition, you need to provide different materials for product features, as follows:

Moonlight foot:

The minimum amount of information required for the application is only required for additional authorization of sesame seeds;

Atomic loan:

In addition to sesame seeds, you also need a credit card mailbox bill that has been used for a long time;

Payment loan:

In addition to sesame seeds, you also need to authorize Alipay or Jingdong account;

The basic information of the three products is as follows:

The following will be analyzed one by one from five aspects:

Loan speed

All three products are fast, the moonlight is the fastest, the money is released within 1 hour, and other products can be released within 6 hours;

Borrowing amount

All belong to a small amountCredit loanIn contrast, the atomic loan amount is the highest, and the payment is credited;

Rate

Atomic loans and payment loans must be judged according to the specific circumstances of the applicant, and the moonlight is fixed at 0.8%/day;

Repayment cycle

Moonlight is short-term, one-off payoffs at one time; atomic loans and payment loans are repayments in installments;

Advance and deferred payment

All of them can be repaid in advance; some users of Moonlight can postpone the repayment, and after the loan, there will be a text message to inform whether the extension can be made; Atomic loans and payment loans cannot be renewed.

The application process is very simple. Through the atomic loan app or the public number, follow the prompts to fill in and upload the data. It only takes four steps and all the processes can be completed within 10 minutes. Click on the link below to see the detailed application flow chart solution:

Payment loan application flow chart solution:

Http://www.loan78.com/gl/2017/02/24/130809.html

Moonlight foot application flow chart solution:

Http://www.loan78.com/gl/2016/09/13/111703.html

Atomic loan application flow chart solution:

Http://www.loan78.com/gl/2016/12/05/124035.html

If you encounter any problems in the application, you can go to the WeChat public account "Atomic Loan" to check the loan strategy, or directly consult WeChat online customer service.

Atomic loan app download: scan the QR code below

The role of the public number:

Loan and repayment: Users can directly apply for the process of loan, inquiry, and repayment on the Apollo public account, which is basically the same as the app process. At present, it has already supported two products, Atomic Loan and Moonlight. The payment of loans is not supported.

Online customer service Q&A: Any problems encountered by the user during the loan process, such as data upload failure, repayment failure, etc., can be communicated through the atomic loan public number and manual customer service. The customer service time is 9:00~18: 00.

Unscheduled welfare activities: The public number will issue some welfare activities from time to time. If you participate, you may get a loan red envelope.

Product latest information and announcement: When new products or new features are launched, they will be released through the public number for the first time, and the arrangements for major holidays will also be released through the public number.

How to pay attention to the public number:

WeChat search public number "Atomic Loan" or use WeChat to scan the QR code below:

Telephone customer service: 010-84359010

operating hours:

Monday to Friday: 9:00 to 20:00

Saturday and Sunday: 9:00~18:00

WeChat customer service: search for the public number "Atomic Loan"

Working hours: 9:00~18:00

Question 1: What are the consequences of overdue?

Different loan products have different levels of treatment for overdue, but there are basically four treatment methods. One is that it will affect the qualification of refinancing, the other will be collected in various ways, and the third will affect credit records, such as Sesame Credit. orPersonal creditIn the fourth report, there will be a fine that is overdue.

As far as atomic loans are concerned, if they are paid off within 7 days, they will only have a very small amount of penalty interest. Others have no effect. If they are overdue for more than 7 days, there will be not only bad credit records but also re-loans. qualifications.

Question 2: Can't get a letter?

It is a different matter to check the credit information at the time of application and not to collect the credit information on the loan record. Under normal circumstances, within 2000, not much credit, more than 2000 will be on the basic credit, different loan products for the standard of the letter is slightly different.

As far as atomic loans are concerned, the credit history record is on the credit card, so it must be repaid on time. If it is overdue for more than 7 days, there will be bad records.