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What differentiates mobile microfinance from traditional bank lending?

Time: 2018-02-13         Source: Credit Cards         Author: credit card should

At present, the loan market is more popular than mobile micro-credit loans. Whether it is the threshold for auditing or the speed of payment, it is more satisfying to users. What are the unique advantages of mobile microfinance? The following Xiao Bian talks with everyone.

       

Low threshold

At present, the application threshold for most mobile phone loan software is relatively low. There is neither guarantee nor mortgage, and no visa is required. The online operation is completed and a mobile phone can handle the loan. At the same time, the application conditions are relatively simple. It will not be too harsh, and it will bring good news to many small partners who need loans.

Less audit time

The popularity of mobile phone loans is inseparable from its auditing speed. Xiao Bian understands that the vast majority of mobile phone loans are currently on-line audits. Within minutes to an hour, audit operations can be completed, bringing considerable amounts of money to everyone. The convenience. The speed of feedback is fast, and the room for users to choose various products increases.

The next paragraph is fast

Needless to say the next paragraph speed, how long can get a loan is of greatest concern to everyone, and the speed of the next paragraph of the mobile phone loan is quite awesome, generally through 1-3 working days after the audit can be successfully credited, spike bank loans The 1-2 weeks are very favorable and timely for economically stressed partners.

More repayment methods

If the repayment method is convenient, on the one hand, it can reduce everyone's repayment procedures. On the other hand, overdue payment can also be avoided to a certain extent. The repayment methods of mobile phone loans are generally more. Most mobile phone loan software supports automatic, active, and With transfer methods such as transfer, many leading companies can also use WeChat/Alipay and other repayment methods to avoid the processing fees arising from various cross-location transfers. At the same time, some loan products will use WeChat, e-mail, and SMS to remind the lender to repay the loan in the near repayment period, so as to avoid overdue and cause various troubles to users.

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