Which online loan is Beijing Sunshine Consumer Finance?

Beijing Sunshine Consumer Finance is a personal consumption credit installment service platform launched by Beijing Sunshine Consumer Finance Co., Ltd., a subsidiary of China Everbright Bank. In addition to providing loan services, it also includes senior care products and educational products.

Sunshine Consumer Finance Loan allows you to obtain a consumer credit loan limit of up to 200,000 yuan with your personal credit. The credit limit can be recycled within the validity period, and the maximum loan period is 36 months. The payment is received in real time, and the repayment method supports equal principal and interest installments and monthly interest payments to repay the principal once it is due. Application for loan repayment can be completed online.

To apply for a loan, you need to provide a valid personal identity document, mobile phone number and bank card to apply directly. There may be a failure prompt during the review process. It should be noted here that the approval result of the loan application is comprehensively reviewed and determined by the Sunshine Consumer Finance system. The factors affecting the review are multi-faceted, including the external economic environment and the risk resistance of Sunshine Consumer Finance. Irregular adjustments to ability and risk credit policies, etc. If the application fails, individuals should continue to maintain their good credit and do not apply frequently to avoid being blocked from applying.

The system will withhold the repayment in batches. The system will withhold the amount that should be repaid in the current period in batches on the repayment date. The account withheld by the system is the bank card and electronic account number specified in your contract. You only need to deposit the full amount of the current month's repayment in advance in the bank card and electronic account specified in the contract, and automatic deduction will occur. Settlement in advance means settling the outstanding balances for the remaining periods under the contract in advance. If it is overdue, penalty interest will be generated, and the overdue information will also be uploaded to the People's Bank of China credit system, which will affect personal credit records and future applications for home loans, car loans, and credit cards. In order to maintain good credit, you must repay your loan in a timely manner. After the quota expires, Sunshine Consumer Finance will re-evaluate based on the comprehensive score. Currently, Sunshine Consumer Finance does not support deferred repayment, so you must make timely repayments within the repayment date.