Is the loan in Wechat business formal? What are the requirements for the application?

Is the loan in Wechat business formal? What platform is micro-business loan?

Wechat business loan is a formal loan. Wechat business loan is a bank credit loan, not an online loan.

Wechat business loan interest is determined by the system according to the comprehensive situation of users, and the daily interest is as low as 0.025%, which is subject to the display on the App homepage after the quota application is successful. The maximum loan amount is 2 million.

Wechat business does not need to provide mortgage or guarantee, and does not need to submit any paper materials.

There is no independent App for Wechat business loan. When applying for a loan from Wechat business, you must look for official channels to avoid being fooled. At present, there are four official loan application channels in Wechat business (1) Suning Bank APP；; (2) Suning Financial APP；; (3) official website; (4) Service number of Suning Bank.

At present, there are many small loans on the market that are relatively easy to apply for. They apply for online loans directly, without providing mortgage guarantee, and can borrow money entirely by personal credit. For small loans, it is best to choose formal institutional products, which will be safer, less stressful and will not affect daily life and work. Friends in need can look at these models:

1, money to spend

It is a credit service brand under Xiaoman Finance. It is a platform for Xiaoman to borrow money. Xiaoman is the original Baidu Finance. Backed by a licensed institution like Baidu, rich loan products are relatively more reliable.

Licensed financial institutions, such as United Bank and consumer finance companies, have the money to provide services to borrowers. The source of funds is authoritative and professional, and the password is also reviewed every time the loan is made. The loan can only be placed in the bank card in the borrower's own name.

Apply with ID card and bank card (except for college students). The maximum loan amount is 200,000, the minimum annualized interest rate is 7.2%, and the fastest time is 30 seconds. 1 minute.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

2360 IOUs

It is the leading formal loan platform in China under 360 subjects. You can apply with your ID card and bank card. The result of identity authentication can be obtained in 30 seconds at the earliest, the loan can be released in 3 minutes at the earliest, and the money can be received in 3 minutes after the application is submitted successfully.

360 IOUs, with a maximum loan of 200,000!

Click online measurement

3. Ping An New Loan

Ping An Xinyi Loan is a pure credit loan product of Ping An Bank, and the borrower does not need to provide mortgage and guarantee. This product can provide a loan of1-500,000 yuan, the service life is 12 months to 48 months, and the monthly interest rate is1.1%-1.53%.

Ping An Xinyi Loan belongs to the bank's loan product, but the application process is very simple, and the following payment speed is also very fast. If the loan information provided by the borrower is complete, the loan can be released as soon as 1 day.

Ping An Xin Yi Dai Click Online Measurement

At present, credit loan products can be loaned only by ID card, without guarantee and mortgage. They are loans applied for through personal credit. There are many loan platforms that provide credit loans, but some of them are unreliable. Loan applicants should pay attention to screening.

Depending on whether the loan platform is reliable, we can see whether there is permission from the licensed institution, whether there is a charge before the loan, and whether the loan interest rate meets the national regulations.

A reliable loan platform has no pre-loan fees, and the loan interest rate will not exceed the scope of national laws. Licensees will have a certain application threshold, and not everyone can apply. Loans that everyone can apply for are often tricky. Don't let your guard down for the success of the loan.