Duxiaoman Financial has many loan products, such as Yidai if you have money to spend it, Exclusive loan if you have money to spend it, etc. Most of them can be divided into 3 issues, 6 issues, 12 issues, 24 issues (one issue is one month), etc. (the specific number is subject to the page display, the system will give different number of installments according to the user's comprehensive situation). When customers borrow money, they can choose the appropriate term to apply based on their borrowing needs. After successfully borrowing the money, you only need to repay the money on time according to the selected installment number and deposit it into the bound repayment bank card. Duxiaoman Financial System will automatically deduct the payment on the monthly repayment date.

1. What is Du Xiaoman

Du Xiaoman Financial Management mainly provides users with financial services. Currently, it can provide corresponding financial products according to the needs of different types of users. Du Xiaoman Financial Management currently provides users with diversified financial products such as bank deposit products, pension security products, public funds, and brokerage asset management plans. Users can choose suitable financial products according to their actual situation. Du Xiaoman Payment has built a complete payment ecological closed loop by cooperating with Baidu Mobile, Baidu Maps, Baidu Nuomi, iQiyi, Ctrip and other Baidu departments and external partners.

2. Is Du Xiaoman’s loan legal?

Duxiaoman Loan refers to the credit platform of Duxiaoman Financial that has money to spend. The interest rate of Youqianhua is relatively low, and Youqianhua is a consumer credit service product that is subject to formal national supervision. Youqianhua has been connected with the central bank's credit reporting and is strictly implemented in accordance with the People's Bank of China's credit management regulations.

3. How long is the grace period for Du Xiaoman?

Loans under Duxiaoman Financial generally do not provide time-limited services and do not have a grace period for repayment, so customers must repay on time before the repayment date (inclusive). Otherwise, once the repayment date passes 24:00 pm, it will become overdue. From the overdue date, the system will charge a penalty interest rate of 150 per day on the overdue amount until the overdue balance is paid off in full; and the overdue situation will be The system reports the credit report to the People's Bank of China and leaves a bad record in the personal credit report, which will damage the customer's credit. As a result, subsequent borrowing will also be affected. If the customer is really unable to repay on time, he or she can proactively contact customer service (the hotline is 95055, service hours are from 9:00 to 21:00 every Monday to Sunday)) for negotiation and try to apply for an extension of the repayment period and repay the debt in installments. . Once overdue occurs, you still have to find a way to pay it off as soon as possible (for example, you can try to borrow money from family and friends around you) to avoid the longer the delay and the more serious the adverse consequences.