Everyone often uses WeChat and QQ. Do you know if you have borrowed money through these two channels? Micro-loan is the first Internet credit product launched by Weizhong Bank. At present, it has been launched on WeChat and Shouq, and the amount of micro-credit is between 5 million and 200,000 yuan. The total loan amount of Shouq and WeChat platforms cannot exceed the micro-loan amount.

Micro-loan can obtain its own loanable amount within 1 second, and customers can complete the loan operation within 1 minute; Payment is quick, and the loan can be received in three to five minutes. Compared with the tedious process of credit card and P2P personal microfinance, the user experience is not very good.

So, how to apply for a small loan If I have money to spend, I will take WeChat as an example to teach you to apply for a small loan today. At present, micro-loans are promoted by "white list", and only invited people are eligible to borrow money, and the judgment standard is the user's personal credit. So if you want to apply for a small loan, you must first open your WeChat to see if there is a small loan interface. People who often buy movie tickets and transfer money on WeChat are more likely to borrow money from small loans.

If your WeChat wallet doesn't have the entrance shown above, please be patient. Micro-loan indicates that it will be open to more users in the future. If your WeChat wallet page is the same as the above picture, you can start applying if you have an entrance to borrow money from micro-loans. Click on the micro-loan to borrow money, and jump to the following figure:

Tick "China People's Bank Credit Inquiry Authorization and Loan-related Agreement", tick "Agree", and then click "View Loan Limit".

Everyone's quota is different. For example, the picture above is 18000. After checking the quota, click Borrow to start the application. The minimum loanable amount is 500 yuan. You need to choose the number of repayable periods, the longest is 20 months and the shortest is 5 months. If the interest of prepayment is calculated to the date when the debt is paid off, you can also prepay without charging liquidated damages.

Is the borrowing process of micro-loan very simple ~ Moreover, micro-loan can be directly transferred to the bank card account bound by the borrower's WeChat, unlike some online merchants who transfer money to Alipay account, Alipay also charges a handling fee, so micro-loan is not only simple to borrow, but also slightly lower in cost.