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This study focused on the Sichuan young women using lending platforms based on their luxury impulse consumption and how these platforms affected the perceived use, trust, and risk for consumption in Sichuan. An in-depth analysis of the status quo and trends of Chinese residents' luxury consumption psychology and behavior had essential theoretical and practical significance for domestic luxury goods. The online loan market represented a way of promoting more luxury goods business to young women with the convenience of obtaining monies for purchase intention. The three research objectives were to explore the convenience brought by the emergence of Internet lending, solve a series of customer attitudes through internet lending platforms, and propose controlling the online media market. The influencing factors of platform reputation, platform strength, guaranteed service relating to perceived trust, usage attitude, usage willingness, and usage behavior relating to behavioral intention, and credit risk, platform risk, and online loan supervision relating to perceived risk for evaluating the young women's online loan using intention impacting to luxury goods consumption pattern. The study was conducted in November 2021 through the WeChat online platform for interviewing Sichuan young women, and 400 valid samples were received for the research analysis. Based on the literature review and data analysis findings, online loan platforms would significantly impact consumer spending, especially in younger groups.