Zhu Bajie is not on the credit report. Zhubajie provides funds from individuals to solve capital turnover problems for users with financial needs. It can provide users with a loan limit of up to 5,000 yuan. Although Zhubajie does not check or submit credit reports, users are required to undergo Sesame Credit certification. Only users with a Sesame score of 550 or above can apply for loans provided by Zhubajie.
If users have financial needs, they can apply for loans provided by Zhubajie. However, Zhu Bajie’s pass rate is not high, and most users cannot pass Zhu Bajie’s review. If users want to use the loan services provided by Zhubajie, they need to provide Zhubajie with their ID card and real-name mobile phone number that has been used for more than 6 months.
To apply for a loan provided by Zhubajie, you need to be over 18 years old, have a sesame score of 550 or above, and cannot be a college student. Zhubajie provides users with a loan period of up to 12 months, and users can choose the corresponding loan period according to their own needs.
Zhu Bajie’s lending speed is faster. When Zhu Bajie completes the review, the funds will be released to the account within 1 hour. When applying for a loan provided by Zhubajie, Zhubajie will charge a service fee. The specific service fee standards are shown on the loan details page.
When users use the loans provided by Zhubajie, they need to repay on time and not overdue. Users should live within their means and plan the use of loans reasonably.
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1. Whether an overdue loan from a loan company will result in a bad credit record depends on whether the small loan company is connected to the credit reporting system. At present, only some small loan companies and guarantee companies have access to the credit reporting system, and this series of work is still in the pilot stage. It is not ruled out that all small loan companies and guarantee companies will be connected to the credit reporting system in the near future.
2. A small number of companies connected to the central bank’s credit reporting system can be found, such as Financial Union, Asia United Finance, Ping An, Timely Rain, etc. Most of them are not far behind at present;
3. Even if the loan company you borrow from is not connected to the credit reporting system and overdue loans will not cause bad credit for the time being, do not overdue the loan easily. If the loan is overdue, firstly, it will generate penalty interest, and secondly, the loan company also has strict risk control and various collection methods, which may affect normal life and work. And even if the loan company fails to collect the debt, the loan company can also pursue legal means to recover the debt.
4. Loans from small loan companies require a credit record check, requiring applicants to provide a personal credit report. However, small loan companies do not have high requirements for personal credit records. If the applicant has had a Two overdue records will basically not affect the application for loan business.