At present, I do borrow money by micro-loan. It is an Internet micro-loan launched by Weizhong Bank, and it is a formal banking product. The entrance is on the WeChat "Service"-"Micro-loan" icon. After the application is successfully opened, you can see the personal credit limit and interest rate on the page. For example, the amount loaned to me by Microparticle is 60,000, and the annual interest rate (simple interest) is 10.56%. Repayment can be made in installments, and prepayment is supported. If there is more money, it can be settled directly, and there will be no liquidated damages. You can pay interest for a few days in a few days. I think it's good. It suits me.