"Micro-loan" is a product of Tencent and an Internet micro-credit product. The total amount of personal loans is between 500 yuan and 200,000 yuan, and the maximum loan amount is 40,000 yuan. The loan interest rate is lower than that of ordinary credit cards.
Methods of applying for micro-loan by WeChat:
1. Open WeChat to see if there is "micro-loan to borrow money".
If your WeChat wallet page is as shown above, you can use "micro-loan to borrow money" to apply for opening. 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 we can't apply for permission actively, and more users will be invited to use it later.
2. Click on "Small Loan Loan"
Above the check limit, there is a line of blue fine print "China People's Bank Credit Inquiry Authorization and Loan Related Agreement". Click to view the agreement, and then click "Agree" to view the loanable amount.
3. Click "Borrow Money"
After completing the above steps, 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.