If QQ wants to borrow money, customers can go into QQ wallet to see if there is a small loan entrance. If so, they can enter the application portal to operate the loan.
It should be noted that micro-credit itself is a pure online micro-credit revolving consumer loan product launched by Weizhong Bank for WeChat users and mobile QQ users (the maximum loan is 200,000 yuan, and the minimum loan is 100 yuan), so there are loan channels on both mobile QQ and WeChat (WeChat micro-credit application entry is on WeChat payment page).
However, the amount of a single micro-loan is between 100 yuan and 40,000 yuan, and the daily interest rate is between 0.02% and 0.05%. The daily interest of 10000 yuan is two to five yuan, which allows users to settle the loan at any time (without any additional procedures).
Of course, because micro-loans are invited, only invited users can find the application portal, but at present only some high-quality users with good credit are invited. Users who can't find the micro-loan entrance in QQ wallet for the time being indicate that they are not eligible for application for the time being and can only continue to accumulate more good credit, so pay more attention to it later.
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"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.
Product characteristics
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.