The main difference between credit loans and small loans is that the audit materials are mainly the amount of small loans, credit reports and basic information. "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. Relatively speaking, small loans are safer than credit loans.