There are no clear rules. In fact, there is no direct correlation between micro-loans and WeChat payment points. Users opening micro-loans depends on the comprehensive evaluation results of the system. The system mainly evaluates users' economic income, loans, debts and credit status. Users with good personal credit, stable economic income and the ability to repay the principal and interest of loans on time can usually successfully open small loans.

It is worth noting that micro-loans adopt the invitation system. Usually, only qualified high-quality users can be invited to find the application for micro-loan entrance on the WeChat payment page. If you don't see the micro-loan portal on the WeChat payment page, it means that the user has not yet been qualified. In this regard, users can only continue to accumulate good credit and continue to pay attention in the future.

Although the payment score of WeChat does not play a decisive role in micro-lending, the higher the score, the better. The higher the score, the better the customer's qualification.

Will the small loan be restored as soon as it is repaid?

Under normal circumstances, the small loan will be resumed as soon as it is repaid, and it will not affect the borrower's next loan. However, if the borrower defaults or defaults during the use of micro-loans, the system will lower our comprehensive score and reduce or withdraw the micro-loan quota, resulting in the inability to obtain the micro-loan quota again after the micro-loan is settled.