1. WeChat's change pass is essentially a deposit wealth management product, and it does not have the loan application function, so it is impossible to apply for a loan. However, if users regularly deposit a sum of money in the change account, it will also help users to increase the credit line in the WeChat loan channel. There are three loan channels that WeChat can apply for:

1, microfinance

Micro-loan is a small loan product under Weizhong Bank. Users can check whether there is a micro-loan entrance in the personal center-wallet. Micro-loan adopts the white list invitation system, and users who meet the loan conditions can see the loan entrance, while users who do not meet the loan conditions cannot enter the micro-loan loan page. Open wechat-> I-> Wallet, if you can see the word "micro loan" here, it means you can apply for a loan with it. Micro-loans also adopt a white list invitation system, and people who are not on the list can't see the entrance.

2. WeChat reserve fund

The name of WeChat reserve fund is "WE2000", and users can apply for loans through search applet. The maximum application amount of WeChat reserve fund is 2,000 yuan, which is an emergency loan channel. When the balance of user We2000 is insufficient and the payment reserve function is enabled, the system will automatically use the payment reserve amount to make up the balance and complete the payment.

3. WeChat official account

At present, many loan platforms have cooperation with WeChat, and users can apply for loans by searching WeChat official accounts of these platforms in WeChat. For example, Zhaolian Finance's Zhaolian Good Term Loan.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 8.0. 16

Second, how to use WeChat change pass?

1, direct consumption

Wechat users can directly use the money in the change account for consumption, such as transferring money, issuing red envelopes, scanning code payment, and returning credit cards. At the same time, when the money is not used, the money can be automatically earned, and the money can be docked with four kinds of funds.

2. Small change financing

Wechat pays change and connects with four funds to automatically obtain income. Users can choose a fund as the default product to earn income. These four funds are Huitianfu Fund All-inclusive, E Fund Easy Finance, southern fund Cashier E and Huaxia Fund Caifubao.

3. Free of charge

Wechat payment change can be taken free of charge at any time. How to get the change of "balance+",you need to enter a certain amount in advance to "take out" the money, but it will arrive in the account within 5 minutes at the earliest.