How to repay WeChat micro loan?

"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September. "Micro-loan" adopts the user invitation system. At present, invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and the "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan. WeChat Apple 12, ios 14, WeChat version 8.0. 13.

As an Internet banking loan product launched by Weizhong Bank, "micro-loan" has the following characteristics:

(1) Unsecured and unsecured;

Most personal loans provided by traditional financial institutions require borrowers to provide guarantees such as mortgages, and it is difficult for individual users who cannot provide guarantees or have no fixed assets under their names to obtain loans. "Micro-loan" does not need mortgage and guarantee, and does not need to submit any paper materials, which can better meet the micro-financing needs of users with good credit.

(2)724-hour service, the fastest 1 minute to complete the loan;

Relying on strict risk control rules and complete technical support system, "micro-loan" provides 724-hour online service with convenient and efficient procedures. All processes are completed on the mobile phone, and the loan can be received in 40 seconds at the earliest.

(3) There is no handling fee for prepayment;

Most traditional financial institutions require users to repay on the repayment date. If the user wants to repay the loan in advance, he needs to apply and pay the handling fee. In addition to the regular default withholding repayment, "micro-loan" also supports users to settle loans at any time without charging any other additional formalities.

At present, the credit line of "micro-loan" to users is between 100 yuan and 200,000 yuan, which varies according to the individual's comprehensive situation. A single loan can be loaned 100-40,000 yuan.

Micro-loan is a personal micro-credit revolving consumer loan launched by Tencent Weizhong Bank for WeChat and QQ users. The total amount of personal loans is between 500 yuan and 200,000 yuan, and the maximum loan amount is 40,000 yuan. The daily interest of the loan is between 20,000 yuan and 50,000 yuan. Micro-loan is an invitation form, which is only open to some users. Invited users can see the micro-loan entrance in QQ wallet and WeChat wallet.

What is microfinance?

Micro-loan is a pure online personal micro-credit revolving consumer loan product launched by Tencent Weizhong Bank for WeChat users and mobile QQ users. Micro-loan adopts user invitation system, and invited users can now see the micro-loan entrance in QQ wallet and WeChat wallet.

At present, the credit line of "micro-loan" to users is between 500 yuan and 300,000 yuan, which varies according to the individual's comprehensive situation. A single loan can be 500 yuan-40,000 yuan.

"Micro-loan" adopts the method of daily interest, with the daily interest rate of 0.02%-0.05%, 1 10,000 yuan and the daily interest rate of 2-5 yuan.

What kind of loan is microfinance?

Micro-loan is a credit product launched by Weizhong Bank. With the invitation system, only users who meet the requirements will get the trial invitation and entrance.

The maximum amount of small loans is 300,000 yuan, and the longest loan period is 36 months. It is supported to be repaid with the loan. Because it is a product of Weizhong Bank, it is necessary to check and submit credit information. If the user has successfully opened the micro-loan, the subsequent repayment must be on time and cannot be overdue.

Weizhong Bank, officially opened on 20 14, is the first private bank and online bank in China. The company is committed to providing better and more convenient financial services for small and micro enterprises and the general public. Using financial technology, we will explore new modes and methods to practice inclusive finance and serve the real economy, adhere to legal compliance and strictly control risks.

International rating agencies Moody's and Standard & Poor's rated Weizhong Bank A3 and BBB respectively. Forrester, a world-renowned independent research institution, defines Weizhong Bank as "the world's leading digital bank". It has successively launched micro-loans, micro-industry loans, micro-car loans, micro-enterprise apps, goose consumption apps and other products. Individual users exceeded 250 million, and corporate customers reached 65.438+0.7 million.

Version information: Take WeChat version 8.0.20, Apple13 (iOS15.3.1system) and Huawei mate40(HarmonyOS2 system) as examples.

What is microfinance?

Micro-loan is a formal platform, which is a micro-credit loan launched by Internet Bank and Tencent Weizhong Bank for their own customer groups. However, at present, the user invitation system is adopted, and only invited users can use it. In WeChat software, we can find the entrance of micro-credit loans. If users need loans, they can upload their own information and apply for micro-credit loans, which is also very convenient. Internet provides great convenience for our life and money, so we can also borrow money through online banking.

1. Microfinance is a lending product of banks.

Different from other forms of loans, general small consumer loans are products issued by some lending institutions, but small loans belong to bank lending products. Micro-loan is a formal peer-to-peer loan receipt, which was launched by Weizhong Bank. I believe many people know Weizhong Bank, which is an internet private bank in China.

Second, microfinance is a product.

Micro-loan is a new product launched by Weizhong Bank. If there is overdue repayment, Weizhong Bank will upload personal overdue records to the personal credit information system, so users must repay in full and on time even if they use micro-loan loans. Only in this way can we ensure our good credit information and solve other credit problems normally in the future.

Third, the interest rate of small loans.

People who use loans are more concerned about the interest rate of loans, which affects our interest expenses. Small loans are calculated on a daily basis, and the daily interest rate is 0.05%. That is to say, using 1 10,000 yuan a day will generate interest in 5 yuan, which is still very high compared with the bank's benchmark interest rate of 4.9%. Micro-loan is a little convenient, but the disadvantage is that the interest rate is relatively high, so we must consider it carefully when choosing micro-loan. After all, this interest rate is much higher than the benchmark loan interest rate.

What is QQ micro-loan?

What is QQ micro-loan? Micro-loan is actually a mortgage-free and guarantee-free loan product.

Micro-loan is a pure credit product, which supports customers to repay with loans within the maximum approval limit, with daily interest. The expected annualized daily interest rate is 18%, which is consistent with the credit card overdraft pricing.

That is, customers can realize 7×24-hour instant loan service through QQ wallet, and the whole loan process can be completed within 15 minutes from loan application to loan approval to final loan release. And "micro-loan" is a pure credit product, and customers do not need to fill in any information or guarantee when lending.

During the examination and approval of the customer's maximum amount, it will arrive within 200,000-200,000 days 15, with interest of 0.5 ‰, which is equivalent to the expected annualized interest rate of 7%- 18%, which is lower than that of credit cards.

If you find the "micro-loan" icon in the QQ wallet of mobile QQ, congratulations, which proves that you have become the first customer of Weizhong Bank!

Through the "white list" mechanism, "micro-loan" screened out the first batch of customer-oriented users (Tenpay has tied cards), mainly in Weizhong and Tencent. Next, Weizhong Bank will launch QQ wallet and WeChat wallet.