1. High loan amount: Hengyanxin Loan Company has a high loan amount, with a maximum loan of 1 10,000, which can meet the needs of most users.

2. Low loan interest rate: The loan interest rate of Hengyanxin Loan Company is low, and the annualized interest rate can be as low as 3.5%, which can reduce the repayment pressure of borrowers.

3. Long loan term: Hengyanxin Loan Company has a long loan term, up to 5 years, which can alleviate the borrower's short-term repayment pressure.

4. No mortgage: Hengyanxin Loan Company can apply for a loan only with personal credit without mortgage.