Specific operation steps:
Open it and see if there is "micro-loan to borrow money". If your wallet page is as shown above, you can apply for opening it if you have "micro-loan to borrow money". If not, unfortunately, we can only wait patiently. Because micro-credit is only open to some users at present, the judgment standard is the user's personal credit, so it is impossible to apply for permission actively, and users will be invited to use it later.
Click "Micro-loan to borrow money", and there is a line of small blue words "China People's Bank Credit Inquiry Authorization and Loan Related Agreement" above the check amount. Click to view the agreement, then click "Agree" to view the loan amount.
Click "borrow money" to complete the above steps, and then click "borrow money" to apply for borrowing money. Borrowing money needs to calculate interest, and the daily interest rate is 0.05%. It should be noted that the minimum loanable amount is 500 yuan, and the maximum loanable amount is 200,000 yuan. You need to choose the number of repayment periods, at least 5 months and at most 20 months, but you can also repay in advance without penalty. If the interest paid in advance is calculated to the day when the debt is paid off.