In order to ensure the safety of investors' funds, Xinlian Online provides a 100% principal guarantee mechanism. Investors can search and browse the financing and borrowing needs on Xinlian's online service platform. By checking the loan information verified by Xinlian Online, investors can choose their own loan projects and enter the investment amount. Investors can also make clear the expected income, choose to invest in the portfolio recommended by Xinlian Online, and reduce the investment risk by diversifying investment in multiple loan projects in batches. The final annual income of investors depends on the loan projects they invest in. At present, the average expected annualized income of the platform is between 15%-24%. At the same time, in order to further optimize the customer experience, Xinlian Online provides investors with automatic bidding settings, making investment and financing more convenient and easy.

Borrowers can post loan applications on Xinlian Online by filling in personal information and submitting relevant materials. The minimum loan amount that can be applied for at present is 2000 yuan. With the relevant information submitted by the customer, you can apply for more loan lines with a term ranging from 3 months to 18 months, and provide two repayment methods: matching principal and interest, daily/monthly interest repayment and repayment of principal when due. After the application is submitted, Xinlian Online and the third-party professional guarantee institutions will screen out the most creditworthy borrowers according to their loan amount, loan purpose, credit history and financial status, and specify the corresponding credit rating and loan interest rate for the loan project. Loan projects approved by Xinlian Online will be published on Xinlian Online Service Platform for investors to choose to invest.