What We Love
- 🚀 Fast disbursement
- 👍 Helps in emergencies
- 👍 Can be a last resort for funds
Room to Improve
- 💸 High interest rates (usury)
- 💸 Hidden fees and charges
- 💸 Unclear billing and statements
- 💸 Forced installment plans
- 💸 Inability to repay early without penalty
- 💸 Aggressive and threatening collection practices
- 💸 Misleading loan terms (e.g., 24期 vs 36期)
- 💸 Redirects to other loan platforms
- 💸 Privacy concerns (selling user data)
- 💸 Unauthorized account creation (Shanghai Bank)
- 💸 Difficulty in account cancellation/deletion
- 💸 Mandatory membership/fees
- 💸 Unresponsive customer service
- 💸 App instability and crashes (iOS)
- 💸 Slow loading times
- 💸 Inconsistent loan approval/disbursement
- 💸 Harassing phone calls and spam
- 💸 Negative impact on credit score
- 💸 Exploitative of students and vulnerable users
