How to borrow money using WeChat Pay

The steps to open a loan on WeChat Pay are:

1. Open WeChat and click "Me" in the lower right corner. Click "Pay".

2. Now we click "Wallet".

3. Click "Pay Points" on the "Wallet" interface.

4. Now we enable payment points and click "View My Scores for Free".

5. From here you can see your payment score, credit history, etc. If your credit is good, you can borrow money.

6. We return to the "Payment" interface and click "Weilidai Loan" in "Financial Management".

7. After opening, you can check the borrowing interest rate and the amount that can be borrowed. Click "Borrow" to borrow money according to the actual situation.

1. Introduction to split payment products: When using WeChat Pay in the future, you may be able to use "split payment" to pay first, and then extend the payment within the bill period or pay the bill in installments. Fenpay is a credit payment product that supports payment first and repay later. It is temporarily unable to send red envelopes or transfer funds. WeChat Pay does not have an interest-free period. Interest is calculated on a daily basis and can be repaid as you borrow. The amount is comprehensively assessed by the system. The repayment situation will affect WeChat Pay points.

2. Fenfu development: "Fengfu" is expected to be launched in the fourth quarter of 2019 and will be operated by the WeChat payment team. It is in the stage of negotiating cooperation with some banks and licensed consumer finance companies. In the future, "Fenpay" may operate like "Weilidai" by opening a whitelist and working with financial institutions such as banks to assist loans and joint loans. On March 25, 2020, according to multiple media reports, WeChat Pay officially started testing. In June 2021, Tencent Technology (Shenzhen) Co., Ltd. applied for the "fenfu" trademark. The international classification involves financial property management, communication services, etc. The current trademark status is "registration pending". According to reports, WeChat users can borrow money from Fenpay for shopping and consumption. "Fan Pay" is similar to Alipay Huabei Installment, but there are also differences in the fees charged between the two. Pay-as-you-go is still in beta.

3. Installment payment is a brand-new type of installment consumer loan. After opening, you can choose to use it when paying. It mainly calculates interest on a daily basis and can borrow and repay at any time. It is also a new payment option provided by WeChat Pay for users, which is more convenient and saves money.

Operating environment: mobile phone vivoS6, WeChat: 8.0.13 How to activate WeChat payment loan?

To activate the split-pay loan service in WeChat, you need to complete the following steps:

1. First open WeChat, enter the "Me" page, find the "Pay" option, and click Enter the payment settings page.

2. On the payment settings page, find the "Split Payment" service, click to enter the Split Payment page, and follow the page prompts to complete real-name authentication and bind bank cards.

3. After completing the real-name authentication and card binding, you can use the repayment loan service in WeChat. The specific operation is: in the chat interface, click the "+" symbol below the input box, find the "Split Payment" option, click to select Split Payment, and enter relevant information (including loan amount, repayment time, repayment method, etc.). And send it to the other party (if you need to borrow money from the other party) or just wait for the other party (if the other party needs to borrow money from you).

It should be noted that when using Fenpay loan service, you need to pay attention to safety and credit, ensure that the other party and yourself are reliable and trustworthy, and avoid disputes and losses. At the same time, we must also comply with relevant laws and regulations to maintain the security of personal information and transactions. Where can I borrow money with a WeChat credit score of 600?

What products can be borrowed with a WeChat payment score of 600 or above is uncertain. It mainly depends on the customer's comprehensive credit situation and whether it meets the requirements of the lending institution/platform. Specify requirements.

Strictly speaking, WeChat payment scores have five levels: 1. Poor: 350~550; 2. Medium: 550~600; 3. Good: 600~650; 4. Excellent: 650~700; 5. Excellent: 700~950. The system will regularly evaluate the user's usage and then recalculate the payment points.

If you look at the above scores, WeChat Pay’s score of 600 is actually not high, but just good. According to the instructions on WeChat’s official website, after your WeChat payment score exceeds 550 points, you can use some rental-free functions in WeChat, such as renting a house without a deposit, renting a power bank without a deposit, etc.

If users want to improve their WeChat payment score, it is recommended to use WeChat payment more and use "Lingqiantong" regularly to increase their economic activities and credit value. If services such as renting power banks are available, users can also use them as much as possible, which can effectively increase WeChat payment points.

If your WeChat payment score reaches 600 or above, it is possible to open Weilidai in WeChat and apply for a loan. In addition to Weilidai, if your WeChat payment score exceeds 600, you can also find some loan platforms that cooperate with WeChat and apply for a loan directly on the platform's WeChat official account. For example, small loan platforms such as China Merchants Union Hao Futures Loan and Youqianhua all cooperate with WeChat.

The WeChat payment score is only a comprehensive calculation of personal identity, payment behavior, etc., and does not provide loan services.

For example, Weilidai on WeChat, WeBank WE2000 payment reserve fund, and loans in the public accounts of other licensed consumer financial institutions, although the customer’s WeChat payment score may be checked during the review, It is not the decisive factor in whether approval is passed.

If the customer maintains good personal credit, has the ability to repay the principal and interest of the loan on time, has a certain financial foundation, has not high debt, and has not borrowed frequently recently, then applying for a loan at this time will most likely be successful. Pass approval. Of course, everyone needs to note that WeChat Weilidai and WeBank WE2000 payment reserve adopt an invitation system, and only invited customers can apply.

Of course, the higher the WeChat payment score, the better the customer's qualifications, and the greater the chance of successfully getting a loan approved.

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