Will interest accrue if there is no payment on behalf of WeChat Weili Loan?

No. If there is no loan, there will be no interest, no matter how bad it is, it will not be like this. Be cautious about taking out loans. What is the interest-free rate of Weilidai?

The interest-free amount of Weilidai is 15 days before the first loan. After a user obtains the interest-free qualification for borrowing money, as long as the first loan he applies for is repaid in advance in less than or equal to 15 days, he only needs to repay the principal without interest, which is very useful for ultra-short-term capital turnover. Not bad, but it should be noted that the loan record will be subject to the credit report.

1. The meaning of Weilidai

"Weilidai" is a purely online small-amount credit cycle consumption launched by WeBank, the first domestic Internet bank, for WeChat users and mobile QQ users. The loan product was launched on mobile QQ in May 2015 and on WeChat in September.

"Weilidai" adopts an official invitation system. Invited users can see the "Weilidai" entrance in the "QQ Wallet" of mobile QQ and the "WeChat Pay" of WeChat, and can receive up to 200,000 Yuan borrowing amount.

2. As an Internet banking loan product launched by WeBank, “Weilidai” has the following characteristics:

(1) Unsecured and unsecured;

Most personal loans provided by traditional financial institutions require borrowers to provide guarantees such as mortgages. It is difficult for individual users who cannot provide guarantees or do not have fixed assets in their names to obtain loans. "Weilidai" does not require mortgages or guarantees, and does not require the submission of any paper materials. It can better meet the small financing needs of users with good credit.

(2) 7*24-hour service, the loan can be completed in as fast as 1 minute;

"Weilidai" relies on strict risk control rules and a complete technical support system to provide 7* 24-hour online service makes the procedures convenient and efficient. All processes are completed on the mobile phone, and the loan can be credited to the account in as fast as 40 seconds.

(3) There is no handling fee for early repayment;

Most traditional financial institutions require users to repay on the repayment date. If users want to repay early, they need to apply for and pay the procedures. fee. In addition to the regular default withholding and repayment, "Weilidai" also allows users to settle loans at any time without charging any other additional handling fees.

For banks, loans such as Weilidai are also small loans. It is best not to have too many small loan records in the credit report. Is it okay if you don’t borrow money after opening Weilidai?

In terms of loan interest, liquidated damages, etc., there is naturally no economic loss. Although the user has opened the account but has not borrowed money, the platform will not count it as a user default. , so there is no need to worry about liquidated damages to be collected. As for interest, Weilidai calculates one day's interest per day. If it is not used, there will naturally be no interest.

However, it will have an impact from the perspective of platform behavior. The most direct impact is to directly close the user's credit limit or directly reduce the limit and increase the interest. Because for the platform, users have no demand for this funds, and the platform cannot earn interest and handling fees from users, it is better to give the quota to users in need.

The "reduce the quota and increase the interest" can be regarded as a small "punishment" from the platform. If the user has little contact with the platform, then the score will not be very high during the comprehensive evaluation. , the discounts given to users will gradually decrease in the long run.

1. "Weilidai" is a purely online small credit revolving consumer loan product launched by WeBank, the first domestic Internet bank, for WeChat users and mobile QQ users. It was launched on mobile QQ in May 2015. , launched on WeChat in September. "Weilidai" adopts an official invitation system. Invited users can see the "Weilidai" entrance in the "QQ Wallet" on mobile QQ and "WeChat Pay" on WeChat, and can obtain a maximum loan limit of 200,000 yuan.

2. As of the end of 2019, "Weilidai" has issued more than 460 million loans to more than 28 million customers in nearly 600 cities in 31 provinces, municipalities, and autonomous regions across the country, with a cumulative loan amount of more than 3.7 trillion yuan. . Recently, some people said that it takes money to open Weili Loan and increase the limit.

Weilidai has issued an official statement to refute rumors: Weilidai is a purely online small credit revolving consumer loan product launched by WeBank, the country's first Internet bank, in May 2015. Weili Loan adopts an official invitation system. It can only be opened through official invitation and the official will actively increase the limit based on the user's credit record. Anyone who needs to spend money to open Weili Loan or increase the limit in the name of an individual or organization is a fraud.