FAQ
Explore our comprehensive FAQ section to find quick answers to common questions about our services, features, and support.
How do I register and use the loan and repayment software?
- After downloading and installing the software, register an account using your phone number or email, complete identity verification, and link your bank card. You can then follow the prompts to submit a loan application or make repayments.
How are loan interest rates and fees calculated?
- Interest rates are calculated based on your credit score and loan term. Fees include interest and possible service charges. Specific rates will be displayed on the application page, ensuring complete transparency with no hidden fees.
How long does loan approval take?
- Approval typically takes anywhere from a few minutes to a few hours. If your documents are complete and your credit is good, funds can be disbursed in real time.
What repayment options are available?
- We support multiple repayment methods, including bank card repayment and online repayment. You can choose the most convenient way according to your needs.
What happens if I cannot repay on time?
- Late repayments will incur penalties and may affect your credit record. We recommend contacting customer service in advance to request an extension or installment plan to avoid additional fees and credit damage.
How is the loan amount determined?
- The loan amount is determined based on a comprehensive assessment of your credit score, income level, loan history, and other factors. The better your credit, the higher the loan amount.
How does the software protect users' personal information and transaction data?
- We use advanced encryption technologies (such as SSL encryption) and strict data protection measures to ensure that your personal information and transaction data are fully encrypted, preventing leaks and misuse.
Is early repayment supported? Are there additional fees for early repayment?
- Yes, early repayment is supported, and no additional fees are charged. Early repayment can reduce interest costs. You can check the specific details on the "Repayment Plan" page.
Will using the loan and repayment software affect my credit record?
- Yes, loan and repayment records are reported to the credit system. Timely repayments can improve your credit score, while late payments may negatively impact your credit record.
How can I contact customer service to resolve issues?
- You can contact our customer service team through the software's online customer service, customer service hotline, or by sending an email.