Loan system utilizing mobile app

A loan system utilizing a mobile app is applicable to network equipment consisting of a mobile phone, a server, a third party serving server, and a bank server and operating via a mobile communication network and an Internet connection. The loan system utilizing a mobile app comprises a Feidai mobile app system, a load balancing module, a mobile server module, a short message service module, a facial scanning module, a universal interface module, a loan calculation module, an accounting module, a settlement service module, a bank interface module, a third party service module, and a bank terminal module. A client can fill in application information for a loan and use the Feidai mobile app system to perform a cash withdrawal operation and a loan repayment operation. In comparison to the prior art, a client can apply, via a server providing a mobile loan service, and on a mobile phone, for a loan, the invention is simple to operate, requires no queuing at a banking service point, and loans can be received quickly.