Is Ctrip Finance a formal loan? What are the loan requirements?

Ctrip Financial Loan is a reliable credit service product launched by Ctrip Financial in conjunction with major financial institutions for user consumption, and has provided high-quality travel credit services to millions of users.

Ctrip Finance is the official personal small and micro credit platform under Ctrip Group. It is a licensed institution and has been connected to the credit reporting system of the People's Bank of China. When applying for a loan, you need to check your credit reporting and repay the loan on time. , otherwise it will affect your credit report.

Ctrip Finance’s loan products do not require any pre-loan fees when applying. Interest will be calculated after the loan is successful. The maximum loan amount is 200,000. You can apply quickly in just 3 steps. The fastest Loans can be made in 1 minute, and the money can be credited in real time. In other words, borrowing money from Ctrip Finance is real, and you can borrow money as long as you can pass the system's review.

The main loan products promoted by Ctrip Finance are borrowing flowers and taking flowers.

Borrowing to spend is a "withdraw money to travel" loan product provided by Ctrip Finance for borrowers. The minimum daily loan interest rate is 0.02. When applying for a loan, you need to agree to many agreements, such as " "Biequhua User Service Agreement", "Personal Information Use Authorization Letter", "Non-school Student Commitment Letter", "Personal Information and Frequently Used Card Information Authorization".

The actual lender of Borrowed Flowers is not Ctrip, Boreded Flowers is just a lender, and the actual lending institution is a third-party financial institution that cooperates with the operator.

Take it and spend it, it is a "travel IOU" loan product provided by Ctrip Finance to borrowers. You can travel first and pay later, with flexible installments and support for automatic repayment. When applying for a loan, under normal circumstances, you can repay the loan. There are many travel coupons available.

The business entities used to take the money are Chongqing Quqie Small Loan Co., Ltd. and Ctrip Small Loan Co., Ltd., which are essentially consumer-related.

The credit limit used by Ctrip can be used to pay for hotel bookings, air tickets, travel packages, etc. At present, many Internet platforms have launched loan services. Ctrip, as the leader in the Internet tourism industry, has also launched its own loan product - Naquhuahua. This product is combined with Ctrip's travel business to solve the problem of users' funds during travel. Insufficient problem. The general credit limit for Take Spend is between 3,000 and 50,000 yuan, the per capita loan limit is 1,884 yuan, and the average term is 7 months. Users can apply by downloading the Ctrip APP.

If you have capital turnover needs, it is recommended that you use Youqianhua. Youqianhua is a credit service brand under Duxiaoman Financial (original name: Baidu Youqianhua, changed its name to "Youqianhua" in June 2018 ”), big brands are reliable, have low interest rates and are trustworthy. Daily interest rates start as low as 0.02, with features such as easy application, low interest rates, fast lending, flexible borrowing and repayment, transparent interest rates, and strong security

Warm reminder: The above information is for reference only and does not constitute any lending advice. . During the online loan process, you must pay attention to preventing risks. In order to ensure the safety of funds and prevent fraudulent loans, it is recommended that you choose a regular bank or regular loan platform through your own judgment after a comprehensive understanding, and borrow reasonably based on your actual situation. loan.