When lending provides a low-interest, long-term policy, online lending is no longer a debt shackle, but allows everyone who works hard to live to seize the opportunity to "try again" at a critical moment, making finance truly a positive energy that waters dreams.
From waiter to baker: How a loan of 18,000 yuan doubled your life
Restaurant waitress Chen, who changed her career to become a baker, chose a certification course with a tuition fee of 18,000 yuan, which was more than her savings. She applied for a loan through a formal education installment platform and repaid it in 18 installments, 900 yuan per month. The course came with a job recommendation service, and after graduation, she joined a high-end dessert shop, with her monthly salary rising from 4,000 yuan to 8,500 yuan. "This loan allowed me to tear off the label of 'waiter'. Now I am taking apprentices and developing new products, and my life has a purpose." She showed her newly obtained pastry chef certificate and said with a smile, "Knowledge can really be monetized, provided that you dare to pay for yourself."
A 100,000 yuan loan opened up the Southeast Asian market: a small shop owner used cross-border leverage to increase monthly revenue from 50,000 yuan to 120,000 yuan
Sister Wang, who runs a jewelry store, wanted to expand into the Southeast Asian market, but was stuck due to the high cost of cross-border logistics. She applied for a loan of 100,000 yuan through a cross-border financial platform with an interest rate of 8.5% to build an independent website and overseas warehouse. Three months later, orders from the Indonesian market accounted for 40%, and monthly revenue increased from 50,000 to 120,000. "I used to think that cross-border business was a matter for big companies, but now small businesses can also borrow loans to go overseas." She showed screenshots of good reviews from overseas customers, "I just took my parents to Bali last week, and that's how I made money."
30,000 emergency loans to grab back the golden half hour: He used compliant leverage to build a lifeline for his family
Programmer Xiao Li's father had a sudden heart attack and was short of 30,000 yuan for the deposit for surgery. He applied for an "emergency fund" through a licensed consumer finance company, which was credited to his account within an hour with an interest rate of 7.8% and repaid in 6 installments. "The doctor said that if it was half an hour later, he would be in danger. This money was really life-saving money." Xiao Li recalled, "Later, I repaid the loan in advance and also saved a special "family emergency account". Now I feel that no matter how difficult life is, I have the courage to cover the bottom."