JD.COM Jr is an online financial service platform founded by JD.COM Group. Although JD Finance is an online operating platform independent of JD.COM Group, providing loans and wealth management products to investors, it still has many cooperative relationships with JD.COM Group. From the platform background, JD Finance has a strong JD.COM Group background, which is more reliable and formal than many other wealth management products on the platform.
The main loan products in JD Finance are JD.COM gold bars, mainly credit loans provided by users in JD.COM. The daily interest rate of loans is as low as 0.025%, and the interest rate of general users applying for loans remains at about five ten thousandths, which is a normal level in online loans. As for the loan fees, JD.COM Gold Bar Loan will not generate additional fees such as account management fees, loan service fees and loan insurance fees except interest, and the fees are transparent.
Other loans in JD.COM
JD.COM IOUs provide credit consumption services, and IOUs can be used for consumption payment in JD.COM Mall. The first time you open an IOU from JD.COM, there will usually be a reduction or exemption. Perhaps some users started to use IOUs with lower amount. With the increasing frequency of daily use of IOUs in JD.COM and the accumulation of related behaviors such as credit, the IOUs quota may also increase slowly. JD.COM IOUs have a certain interest-free period, so it will not cost anything to repay all the consumption amount before the repayment date.
In addition, JD.COM also has small loans in Beijing, Bao Bei and Beijing to provide credit loan services for business owners. For businesses that have settled in JD.COM, the maximum loan in Xiao Jing is 5 million yuan. The open platform of COM can be extended to Jingdong wallet and withdrawn to corporate accounts. In addition, JD Finance also has a wealth of credit products for users to choose from, such as CCB Express Loan, Nanyin-Cheng Yi Loan, Yin Bao Consumer Guarantee Loan, Zhaolian Good Loan and Yin Bei Consumer Finance-E Loan.