Installment Loans Solutions

Our intelligent installment loans solutions tailored for business and financial partners seek to satisfy various online and offline installment needs.

Covering product design, credit decision-making, customer management and funding, our solutions are seamlessly embedded into partners’ business system, to promote product and service sales and monetization of traffic flows. We assist tourism, shopping, education, healthcare and traffic platforms to readily establish their own consumer finance systems, and help financial institutions ride on the tide of China’s consumption upgrade.

Cooperation Cases

Tourism, a China’s leading online and wireless travel platform, launched its “Naquhua” product based on PINTEC’s internet credit solutions to provide installment service for its personal travel products, thus enhancing users’ travel consumption experience.

Other partners in the same scenario include Ctrip, and eLong.


“Youxuebao,” a course installment decision system originating from PINTEC’s risk model and combining users’ learning data of Shanghai Hujiang Online School, helps to satisfy education installment requirements of the users.


With PINTEC’s technical support, launched an installment consumer product “Zhenfenqi” for new and existing customers, delivering new shopping experience of “zero down payment, spend first and pay later.” Users may apply for credit line either through Personal Center in app or by choosing this installment option when placing an order.

Other partners in the same scenario include and Shefenqi.

Offline Retail

“Chengfenqi,” a fully-automatic intelligent mobile phone installment service developed by PINTEC with China Telecom Orange Financial, is available at more than 4,000 sales outlets of China Telecom in 70 prefecture-level cities of 16 provinces.

Financial Institutions

PINTEC provides a wide range of services such as traffic screening and anti-fraud for Industrial Consumer Finance Co., Ltd., a CBRC-authorized nationwide consumer finance company which is positioned as a leader in China’s inclusive financial sector and an innovator in retail credit.

ABS Issuance

In June 2017, the ‘Naquhua’ First Tranche of Consumer Installment Asset-backed Securities led by PINTEC was successfully offered on the Shanghai Stock Exchange with CITIC Securities acting as the administrator and lead underwriter. PINTEC’s digital lending system has stood the strict test from the stock exchange and market. In cooperation with security companies, PINTEC can help financial partners securitize their quality assets.