Both Yisudai and Yisuifu are products of Suning Financial, which can provide different credit demand services for different groups of people.

1. Different product natures

Wishful Pay is a personal consumption installment brand launched by Suning Financial. It relies on the Suning ecosystem and can only be used for consumer payments in Suning ecological scenarios.

Wishuidai is a credit loan product launched by Suning Financial, which provides individuals with credit loan services in various scenarios such as decoration, education, car buying, renting, and traveling.

2. Different loan amounts

The maximum loan amount for Renzhipay is 50,000, while the maximum loan amount for Renzuidai is 300,000. But in general, the quota is relatively high, and it can meet general consumer needs.

3. Cash withdrawals are different

Wishongpay does not have a cash advance function and cannot withdraw cash or transfer funds.

Wishful Dai supports customers to withdraw their credit limit to bank cards.

The above is the difference between Suning’s arbitrary loan and arbitrary payment. I hope it can be helpful to everyone. To put it simply, Wishuipay is equivalent to a virtual credit card, where you consume first and repay later, while Wishuidai is a personal microfinance product.