Micro-loan products adopt the user invitation system, and some users who meet the current credit conditions will be invited to use them, and the scope of invitation will be gradually expanded to all target users, including individual consumers, heads of individual industrial and commercial households, small and micro enterprise owners, individual shareholders of enterprises, etc. In other words, if you can't see the icon of micro-loan, you are not the invited user of micro-loan for the time being.
There are several reasons why WeChat does not have micro-loans;
1. Has a bad record in the credit investigation. It may be that your credit card failed to repay on time or there was an overdue record of previous loans on other platforms.
2. Wechat is not sticky enough, or your account has no real-name authentication, or you don't have a bank card.
3. If you don't use it often, use WeChat to pay and buy wealth management products.
4, consumption is not frequent, WeChat has many functions that can be consumed, so you should use it as much as possible.
5. WeChat has not been used for a long time, and it is difficult to open micro-loans because there is no reference record at all.
6. Buy more wealth management products of WeChat Wealth Management. If you are not very good at choosing, it is conservative to buy a money fund. Although the income is low, it is far higher than the bank's demand, and it has good liquidity and high security.
7. Give your love. Don't forget that there is a "Tencent Public Welfare" on the WeChat wallet page. For example, donating to sports is very good. Often used to let them know that you are a good person.
Why is there no micro-loan on my WeChat?
If you don't have micro-loans on WeChat, it means that you haven't met the conditions for opening micro-loans.
First, the reason why WeChat does not have micro-loans:
(1) There is a bad record in credit investigation, which may be that your credit card failed to repay on time or there was an overdue record in previous loans on other platforms.
(2) The viscosity of WeChat is not enough, or your account has no real-name authentication, or you don't have a bank card.
(3) The frequency of use is not high, so we should use WeChat to pay more and buy wealth management products.
(4) Consumption is not frequent, and there are many functions that can be consumed in WeChat, so use them as much as possible.
(5) WeChat has not been used for a long time, and it is difficult to open micro-loans because there is no reference record at all.
Second, the premise of whether to open micro-loans is judged from the following points.
(1) credit index
No matter which institution you borrow money from, you repay it on time and there is no overdue record.
(2) Safety index
Wechat, QQ and Tenpay have all passed real-name authentication.
(3) Property index
Top-up records and purchase records of Tenpay and various wealth management products.
(4) Consumption index
Pay with WeChat or QQ, or buy Tencent products, such as QQ members and so on.
First, what is microfinance:
"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.
"Micro-loan" adopts the official invitation system. Invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.
Two. Rules for prepayment of small loans:
(1) The repayment date is the issuance date of the first loan, and the repayment date of each loan in the future will be this day. Where the first loan occurs on 29th, 30th and 3rd1day of the current month, the repayment date shall be 2 1 day of each month.
(2) The repayment date of non-initial loan will span the latest repayment date (including today). For example, the current repayment date is 2 1 per month. When you borrow again on 1 and 15, the repayment date of this loan is February1year.
(3) Micro-loans support prepayment, but at least the day after the loan is successful, that is, the actual lending time can be as short as 1 day. At this time, only 1 day interest is required, which is not a default, no penalty interest and no other expenses.
Third, how to repay in advance?
Open wechat and enter the wallet, and you can see micro-loans to borrow money. Click Open. If you have outstanding loans, these loans will be displayed on the micro-loan homepage, and the total amount will be deducted here. Click prepayment to repay.
Operating environment: Xiaomi mobile phone 6X_MIUI 12.0.2 wechat version V8.0.8
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Why is there no micro-loan on WeChat?
Wechat does not have micro-loans or does not meet the opening requirements. Generally, there are several reasons:
1. There is a bad credit record, which may be due to overdue credit cards or loans overdue on other platforms.
2. WeChat is not active enough, the personal account has not completed real-name authentication, and the bank card is not bound.
3. WeChat payment is used too little, and there are many functions that can be consumed in WeChat, so try to use it as much as possible.
"Micro-loan" is the first online micro-credit revolving consumer loan product launched by Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. 20 15 was launched on mobile QQ in May and on WeChat in September.
"Micro-loan" adopts the official invitation system. Invited users can see the "micro-loan" entrance in the "QQ wallet" of mobile QQ and "WeChat payment" of WeChat, and can get a loan amount of up to 200,000 yuan.
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, the fastest 1 minute to complete the loan;
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) 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.
Quota and interest rate:
The credit line of "micro-loan" 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%, 1 ten thousand yuan daily interest 2-5 yuan.