2. After the small loan is successful, everyone can pay off the loan from the next day. The actual borrowing days are as short as 1 day, and only one day's interest is required. It is not supported to settle the loan on the same day. In addition, in the process of using micro-loans, any problems can be solved through the self-service customer service of micro-loan WeChat official account, which is particularly convenient.
I. Microfinance
1, "Micro-loan" is a pure online micro-credit revolving consumer loan product launched by Weizhong Bank, a domestic internet bank, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.
2. "Micro-loan" relies on mobile QQ and WeChat and adopts the official invitation system. Invited users can see the entrance of "micro-loan" in "QQ Wallet" of mobile QQ and "WeChat Pay" of WeChat, with a maximum loan of 200,000 yuan.
Second, the product features
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, and the loan can be completed at the earliest 1 minute.
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. It can be borrowed and repaid, and 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. The daily interest rate is 0.02%-0.05%, and the daily interest of 10,000 yuan is 2-5 yuan.