PPDAI Group Inc. is an online consumer finance marketplace company in China. The Company is focused on delivering accessible and convenient financial services to borrowers and investors. The Company’s products and services include Loan services offered to borrowers, and Investment services offered to investors. The Company primarily offers short-term loan products in three categories: standard loan products, handy cash loan products, consumption loan products. The Company primarily offers investment services products in four categories: Self-discretionary investing tool, Automated investing tools, Investment programs, and Secondary Loan Market. The Company strategically focused on serving borrowers between ages of 20 and 40, the young generation. The Company primarily offers short-term loans to borrowers to meet their immediate credit needs while allowing them to gradually establish their credit history through activities on its platform.