The essence of WeChat lightning loan is to issue loans with credit card quota as collateral, that is, to freeze the corresponding credit card quota after lightning loan is equivalent to transferring credit card quota to debit card, which is essentially equivalent to cash withdrawal by credit card, but there is no quota limit and the interest is lower.

If you successfully get a loan of 1000 yuan in the lightning loan, the credit card you filled in at the time of loan will be frozen 1000 yuan as a guarantee. Quick loan process:

1. Click on the home page of the WeChat menu of lightning loan-I want to borrow money to enter the loan page.

2. First, enter the loan amount to calculate the loan cost, and then you need to select a cash withdrawal card. If you haven't added a cash withdrawal card, you can directly enter the card number. The withdrawal card will be used as the default withdrawal card when you borrow money. It is recommended to choose an ordinary bank card. The withdrawal card must be a debit card.

3. Choose to use the credit line;

4. First pass the real-name authentication of the lightning loan, and then add a credit card as the protection card. After the protection card is successfully added, it will enter the advanced authentication.

1) Advanced authentication needs to authorize Sina Weibo account for enterprise authentication;

2) Weibo authorization and enterprise certification can be carried out at the same time, or only one can be certified;

3) Advanced authentication requires the use of my real information, and it is temporarily not supported to modify the information after passing the authentication;

4) After filling in the information, click the Calculate Credit Limit button to get the credit limit.

4. After verifying that the loan amount is correct, click OK. If the information is true, you can successfully borrow money.