Six months after the implementation of new lending assistance regulations, several lending platforms are experiencing a decline in loan disbursement volume and profits in Q4 2025.

WealthCoffee · 2026-04-05T08:44:52+00:00

Against the backdrop of new regulations on loan assistance and a slowdown in consumer credit demand, several consumer loan assistance platforms faced declining revenue and lending volumes in Q4 2025, with net profits dropping significantly. Each platform has begun seeking new growth opportunities, such as "going overseas" and investing in the "cryptocurrency circle."

WealthCoffee

2026-04-05 08:44:52

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**【Caixin Global】**With factors such as the formal implementation of new regulations for loan facilitation (assisted lending) and a slowdown in consumer credit demand coming together, in the fourth quarter of 2025, multiple consumer-loan and assisted-lending platforms showed a consistent trend: year-over-year declines in revenue and loan-disbursement volumes, along with a sharp drop in net profit. As assisted-lending business enters a period of reduced volume, platforms are looking for second growth curves such as “going overseas” and investing in “crypto circles.”

Recently, seven assisted-lending platforms that are listed in the United States and Hong Kong consecutively released their 2025 financial reports, including Qifu Borrowing Note’s operating entity Qifu Technology (formerly 360 Digitech, 03660.HK), Lexin’s operating entity LeXin (LX.NASDAQ), PPDai’s parent company Xinyou Technology (FINV.NYSE), XiaoYing Card Loan’s parent company XiaoYing Technology (XYF.NYSE), Your My Loan’s parent company Jiayinh Technology (JFIN.NASDAQ), Yixin Finance’s parent company Yiren Zhike (YRD.NYSE), and DoudouMoney’s operating entity WeiXin JinKe (02003.HK).

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