A micro-loan portal suddenly appeared on WeChat, indicating that users meet the conditions of micro-loan, so the system invites users to experience the loan service of micro-loan, and users can apply for loans directly through the portal. Getting an invitation does not mean that the user will definitely pass the loan review. Every time he applies for a micro-loan loan, the system will review the user, and only after the approval can he get the loan funds.

If the audit fails, a loan approval inquiry record will be left in the credit information, and too many such records will directly lead to the waste of personal credit information.

WeChat Apple 12, ios 14, WeChat version 8.0. 13.

"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. "Micro-loan" adopts the user invitation system. At present, invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and the "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.

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.

At present, the credit line of "micro-loan" to users is between 100 yuan and 200,000 yuan, which varies according to the individual's comprehensive situation. A single loan can be loaned 100-40,000 yuan.

Why don't I have a micro-loan quota on WeChat, but there is one in app?

I don't have a micro-loan quota on WeChat, but there are reasons in the app. 1.

There is a bad record of credit investigation, which may be that your credit card has not been repaid on time or that your previous loans on other platforms have overdue records.

2.

Wechat is not sticky enough, or your account has no real-name authentication, or you don't have a bank card.

3.

If you don't use it often, use WeChat to pay and buy wealth management products.

4.

Consumption is not frequent, there are many functions that can be consumed in WeChat, so try to use them as much as possible.

There was no WeChat micro-loan before, but now there is, but I can't borrow it. What happened? How can I lend it out?

At present, the "micro-loan" product adopts the user invitation system, and some users who meet the current credit conditions will be invited to use it. As for how to judge that you are an invited user of "micro-loan", Weizhong Bank will remind you with a red dot, and users can take the initiative to check it in WeChat "I-wallet-bank card". Users with "borrowing money" at the bottom of the card list are invited users.

There are not many conditions for spending money. The application is purely online and no mortgage is required. The application materials are simple, the examination and approval takes 30 seconds, and the loan can be released in three minutes at the earliest, with a maximum of 200,000.

This answer is provided by Fuguihua, I hope it will help you. As the credit brand of Xiaoman Finance (formerly Baidu Finance), Youyouhua provides users with convenient, fast and safe Internet credit services.