AI-Powered Lending Intelligence Platform
¥9.9 AI pre-approval. Match with 40+ regulated financial institutions in 3 minutes. No credit check without consent, no obligation, refund if unmatched.
¥9.9 AI-Powered Pre-Approval
AI-powered matching for the best loan offers — no credit check, secure and fast
- AI multi-dimensional credit assessment
- Match with 40+ regulated institutions
- Personalized loan recommendations
- End-to-end data encryption
服务承诺
- No obligation — cancel anytime
- No credit check without your consent
- Full refund if no match is found
Three Steps to Your Best Match
Simple 3-step process — AI finds the optimal loan for you
Fill in Basic Info
Provide basic information and loan requirements — takes under 2 minutes
AI Smart Matching
Our AI engine analyzes your credit profile and matches you with the best options from 40+ institutions
Get Recommendations
Review matched results, choose the best loan product, and submit your application in one click
Fill in Basic Info
Provide basic information and loan requirements — takes under 2 minutes
AI Smart Matching
Our AI engine analyzes your credit profile and matches you with the best options from 40+ institutions
Get Recommendations
Review matched results, choose the best loan product, and submit your application in one click
Trusted by the Numbers
PeonyAI has helped over 128,000 users find their ideal loan solutions
How Is Your Data Protected?
Bank-grade security standards to safeguard your information
HTTPS Protocol
All data is transmitted via HTTPS encryption, preventing interception or tampering during transfer
AES-256 Encryption
All sensitive data is encrypted with AES-256, meeting financial industry security standards
Data Desensitization
Personal information is masked during display and transmission — key fields are automatically redacted
User Authorization Mechanism
Explicit user consent is required for every data operation — data is used solely for loan matching services
We will never query your credit report without your explicit authorization
What Our Users Say
Real experiences from users across China
“I tried the ¥9.9 pre-approval out of curiosity, and the AI matching was incredibly accurate. The recommended product exactly fit my needs with a very reasonable interest rate.”
“As a sole proprietor, getting loans has always been challenging. PeonyAI matched me with a WeBank product — the entire process was online, no bank visits needed.”
“Compared several platforms, and PeonyAI's matching logic was the clearest. No aggressive loan ad spam like other platforms — great experience overall.”
Frequently Asked Questions
Common questions about PeonyAI services
Experience AI-Powered Lending Intelligence
¥9.9 · 3 minutes · Find your optimal loan solution
Start AI Assessment ¥9.9