Is Ctrip's financial loan reliable

Ctrip's financial loans are very reliable. Ctrip Finance, in conjunction with major financial institutions, has launched credit service products for users' consumption, which has provided high-quality travel credit services to millions of users.

Ctrip Finance is the official personal microfinance platform under Ctrip Group. The licensee has access to the credit information system of the People's Bank of China. When applying for a loan, you need to check the credit information and repay it on time, otherwise it will affect the credit information.

Ctrip Financial's loan products do not need to charge any pre-loan fees when applying, and interest will be calculated only after the loan is successful. The maximum loan amount is 200,000, and it takes only three steps to apply quickly, and the fastest loan is 1 minute. In other words, it is true to borrow money from Ctrip Finance, as long as it can pass the system audit.

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

Borrowing flowers is a loan product provided by Ctrip Finance for borrowers to "take money to travel", with a minimum daily interest rate of 0.02%. When applying for a loan, there are many agreements that need to be agreed upon, such as the Service Agreement for Borrowing Flowers Users, Authorization for the Use of Personal Information, Commitment Letter for Non-school Students and Authorization for Personal Information and Common Card Information.

The actual lender who borrows flowers is not Ctrip, but the lender. The actual lender is a third-party financial institution that cooperates with the operator.

Take Hua Bai as an example. Hua Bai is a loan product provided by Ctrip Finance for borrowers. It can be paid after travel, flexible in stages and supports automatic repayment. When applying for a loan, there are usually a lot of travel vouchers to collect.

The main business entities of Nahua are Chongqing Quxie Microfinance Co., Ltd. and Ctrip Microfinance Co., Ltd., whose essence is consumption.

The credit line spent by Ctrip can be used to pay for booking hotels, air tickets and tour groups. At present, many Internet platforms have launched loan business. Ctrip, as the leader of Internet tourism industry, has also launched its own loan product-Flower Garden. This product is combined with Ctrip's tourism business to solve the problem of insufficient funds when users travel. The general credit line for withdrawing money is between 3,000 and 50,000 yuan, the per capita loan line is 1884 yuan, and the average term is 7 months. Users can APPly by downloading Ctrip app.

If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands and low interest rates are trustworthy. The daily interest rate is as low as 0.02%, which has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to preventing risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation. Loan.