Safe. Jingdong financial loan is more reliable, belonging to a comprehensive large-scale lending platform with more lending products. In order to avoid disputes, regular online loans require users to fill in electronic signatures. Electronic signature, handwritten signature or seal have the same legal effect. Generally speaking, electronic signature services are provided by third-party institutions, which can ensure that electronic signatures are not affected by lending institutions. Users apply for online loans. If there is no signature process, it is generally an informal loan.