Micro-loans on WeChat are open to some users with good conditions, so not everyone has micro-loans on WeChat.
Most of the users who have micro-loans in WeChat meet the conditions of good credit. If there is no micro-loan in your WeChat, it means that it is not within the scope of inviting customers for the time being, so just wait patiently. In the process of waiting, what needs to be done is to use WeChat for transfer and payment as much as possible, and you can also buy some wealth management products on WeChat.
Tools/raw materials
A mobile phone, both Android and IOS will do.
Methods/steps
1/3
There is no micro-loan, not because your internal WeChat version has not been upgraded, but it has never been.
2/3
Why? In fact, this is because the micro-loan function of WeChat is only open to users at random, so it is normal for some users not to see it. This function may be popularized to all users in the future.
3/3
Wechat doesn't have a small loan, so you can go to qq to have a look. Specific operation: log in to qq, and click avatar -qq wallet-funds. Financial management module-microfinance. There may not be micro-loans in qq, but you can still try your luck.
Why is there no micro-loan on my WeChat?
Wechat does not have micro-loans or does not meet the opening requirements. Generally, there are several reasons:
1. There is a bad credit record, which may be due to overdue credit cards or loans overdue on other platforms.
2. WeChat is not active enough, the personal account has not completed real-name authentication, and the bank card is not bound.
3. Wechat payment is used too little. There are many functions that can be consumed in WeChat, so you should use them as much as possible.
Extended data
1. How to open WeChat microfinance?
Because the micro-loan adopts the user invitation system, it can only be opened after being invited by the system. If it weren't for the invitation of the system, you wouldn't find the opening entrance of micro-loan.
If you want to be invited by the system, you can do this:
1. Complete real-name authentication on WeChat Tenpay, and bind your own bank card and mobile phone number;
2. Frequent use of WeChat payment, transfer, red envelopes, etc. , use the city service function to pay the water and electricity bills on time;
3. Buy wealth management products in WeChat, manage more money and save some money.
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Why is there no micro-loan on WeChat?
Wechat does not have micro-loans or does not meet the opening requirements. Generally, there are several reasons:
1. There is a bad credit record, which may be due to overdue credit cards or loans overdue on other platforms.
2. WeChat is not active enough, the personal account has not completed real-name authentication, and the bank card is not bound.
3. WeChat payment is used too little, and there are many functions that can be consumed in WeChat, so try to use it as much as possible.
"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 official invitation system. Invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.
Product features:
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)7*24 hours service, the fastest 1 minute to complete the loan;
Relying on strict risk control rules and complete technical support system, "micro-loan" provides 7*24 hours online service, with convenient and efficient procedures. All processes are completed on mobile phones, and loans can be made 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.
Quota and interest rate:
The credit line of "micro-loan" 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.
The daily interest rate is 0.02%-0.05%, 1 ten thousand yuan daily interest 2-5 yuan.
Why don't some Wechat have micro loans?
First, WeChat has no real-name authentication. All mobile Internet services involving financial services, especially financial credit services, need real-name authentication. If your WeChat has no real-name authentication, although many other functions can be used as usual, it is definitely impossible to have micro-loans. Micro-loan is authorized by the user, not a micro-signal, so the micro-signal required to be used must be a micro-signal authenticated by my real name.
Second, WeChat is not bound to a bank card. Strictly speaking, WeChat's real-name authentication actually includes bank card binding authentication. Everyone's micro-signal needs to be bound to a savings card under their own name before they are eligible to open micro-loans. This is often overlooked by many people, who think that it is enough to complete the real-name authentication of identity, but binding a savings card is also one of the basic requirements.
Third, the comprehensive score is insufficient. Many people have access to micro-loans on WeChat, but they can't borrow money, indicating that the comprehensive score is insufficient. These users are actually qualified and have been invited by the micro-loan official, so the micro-loan icon will appear. However, due to the lack of use of WeChat, the interaction with WeChat is not enough, and the comprehensive score is insufficient. In this case, we only need to use WeChat more, such as payment, transfer and credit card repayment.