There are many common routines for campus loans, mainly aiming at college students' lack of awareness of financial prevention, and then making various induced behaviors.

Campus loan routines mainly include the following:

1 and 1 are application thresholds. Campus loan will release a very low application threshold and the lending speed is also very fast. Campus loan will induce students to apply for such loan products in various ways.

2. The second routine is all kinds of miscellaneous expenses. Although many campus loans don't cut interest now, campus loans will increase costs in disguise through various service fees and handling fees. These expenses should actually be included in the annualized comprehensive interest of loan products.

3. The third routine is to avoid legal risks. Now everyone will avoid legal risks through layer-by-layer introduction and hurt users in this way.

First, the threshold for applying for campus loans is very low.

In most cases, it is difficult for college students to apply for formal bank loans in banks because they don't have a certain income level. If college students apply for campus loans, the application threshold for campus loans is not only very low, but also the loan method is very simple, even within 5 minutes. Campus loans are also used to induce college students to borrow money.

Second, there are many loans and miscellaneous fees on campus.

Before users apply for campus loans, campus loans may promise users very low interest rates. However, after signing the loan contract, users will find that the real annualized interest of campus loans is amazing, and the annualized comprehensive interest of some campus loans can even reach more than 20%, which is several times higher than the formal loan products of banks.

Third, campus loans will avoid all kinds of legal risks.

Campus loans do not lend money directly to users, but are introduced through various loan supermarkets. Although the loan supermarket is more formal, it is not responsible for the user's borrowing behavior, and the user will introduce it through the loan supermarket. These introduced campus loans are generally conventional loans. For this reason, I don't recommend users to apply for any campus loans. Users should learn to protect themselves!