Can I repay the loan manually with a micro loan?

Yes, if you fail to deduct on the repayment date, you can click on the repayment failure notification to manually repay the current arrears, or enter it in WeLoan***"Automatic repayment failed", and manually repay the current arrears according to the prompts on the page.

Under normal circumstances, there is no need to repay the loan manually, they are all bank deductions now, so you only need to deposit the money on the bank card, and their system will automatically deduct it at the time.

If you show that the deduction failed on the deduction date, you can click the repayment failure notification to manually repay the current arrears.

There are two ways to repay the loan manually

In addition to manual repayment, the system will automatically deduct the money from the bank card or wallet bound to your WeChat, and the borrower only needs to ensure that the balance in the card is sufficient.

How to open a micro loan:

Microcredit has become one of the most popular microfinance products among young people. It is launched by WeBank, the first Internet bank in China, and is safe and easy to use. Moreover, it adopts the model of no collateral and no guarantee, which is very suitable for young people.

WeLoan adopts the official invitation system, and invited users can see the official entrance of WeLoan on WeChat Pay or Mobile Q Wallet. Click on the WeLoan entrance to enter the application process and follow the instructions on the mobile interface. Under normal circumstances, the credit application can be completed in three to five minutes, and the micro loan can be used after the credit is successful.

If you are not an invited user, you will not be able to see the entrance of WeLoan, but there is no need to worry, the official of WeLoan is expanding the scope of opening, everyone can wait patiently, and do not believe the strategy stickers of opening on behalf of strangers and forced opening, so as not to be deceived.

After the credit is successful, everyone clicks on the loan under the limit, and in most cases, the cash will arrive in less than a minute. This arrival speed is still very fast in the industry, and it is very suitable for emergency use.

The money borrowed from WeLoan will be transferred to the bank card designated by the person. WeLoan has a strict review process and risk control system to ensure the safety of users' funds, and everyone must keep their bank cards, bank card passwords and corresponding payment passwords and do not disclose them at will.

The opening of WeLoan is completely free of charge. In the normal process of using WeLoan, there are no additional fees except for the interest generated by the loan, and there will be no handling fee or penalty for early repayment.

Click on the repayment failure notification or enter "automatic repayment failure" in WeLoan***, and follow the prompts on the page to make manual repayment. Click WeChat - "Me" - "Pay", then select WeLoan to borrow money, and then click "Pay off the loan in advance" to repay the loan manually.

In addition to manual repayment, the system will automatically deduct the money from the bank card or wallet bound to your WeChat, and the borrower only needs to ensure that the balance in the card is sufficient.

Extended Materials: Micro Loans"It is the first Internet bank in China, WeBank, to launch a pure online microcredit revolving consumer loan product for WeChat users and mobile QQ users, which was launched on mobile QQ in May 2015 and WeChat in September.

Micro loans"Adopting the official invitation system, invited users can currently be on the mobile phone QQ"QQ Wallet"as well as WeChat"WeChat Pay"Inside"Micro loans"entrance, you can get a maximum loan amount of 200,000 yuan.

The "micro loan" product is positioned as an Internet microfinance product, with a loan amount of less than 200,000 yuan and a loan interest rate lower than that of a general credit card.

"WeLoan" is to screen out the first batch of users who are most suitable for the "WeLoan" customer positioning through the "whitelist" mechanism, mainly within Weizhong and Tencent. In the next step, WeBank will be listed in WeChat Wallet together with QQ Wallet. "WeLoan" adopts a user invitation system, and randomly selects whitelisted users from among the users who meet the current credit conditions and invites them to use the product.

Users only need to bind a bank card, and they can click "borrow money" with one click, and the system will judge the personal credit situation within a few seconds and give a certain amount. Users do not need any collateral, fill in the information according to the corresponding prompts, and complete the loan.

Users only need to click "borrow money" in the "wallet" entrance of QQ and WeChat on their mobile phones, and the system will judge their personal credit situation within a few seconds and give a loan amount ranging from 500 yuan to 200,000 yuan. Users do not need any collateral, fill in the information according to the corresponding prompts, and the loan can be completed within 3 minutes. After borrowing money, it can be settled in advance at any time, and interest will be calculated on a daily basis.

On May 15, 2015, "WeLoan" was officially launched on the mobile QQ, and on September 14, 2015, it was launched on WeChat, and invited users can find "WeLoan" in "WeChat-Me-Wallet" or "Mobile QQ-Me-QQ Wallet-Fund Management".

It mainly relies on Tencent's social data accumulated over the years and the central bank's personal credit data. In addition to personal credit reporting, social data is an important part of our scoring system. Whether it is on WeChat or on HandQ, the 'WeLoan' will fully refer to the user's data in the entire Tencent system when granting credit, focusing on the social data of the two platforms.

However, on different channels, the criteria for judging the quota will be emphasized. For example, when setting a credit line for users, the 'Micro Loan' on Hand Q will refer more to the activity of Hand QOn WeChat, the 'micro loan' will refer more to its WeChat activity.

Manual repayment is possible. WeLoan can wait for the system to automatically deduct the loan, and the user can also choose to repay the loan actively.

Whether it is automatic deduction or active repayment, it is considered normal repayment for WeLoan. Of course, if the system fails to automatically deduct or does not initiate automatic deduction, the user will take the initiative to repay the loan, which will not cause overdue repayment.

Overdue repayment refers to the situation of failing to deposit the amount of consumption into the designated account in full and in a timely manner beyond the deadline for repayment stipulated by the bank. Overdue will generate interest and affect credit reporting, and in serious cases, it will be sued by the court and imprisoned.

The product features of WeLoan include:

1. Unsecured and unsecured personal loans provided by traditional financial institutions.

Most of them require the borrower to provide collateral such as collateral, but cannot provide guarantee or have no fixed assets in their name.

It is difficult for individual users to get loans. "Micro Loan" does not require collateral and guarantee, and does not need to submit any paper materials, which can better meet the micro-financing needs of users with good credit.

24-hour service, the fastest 1 minute to complete the loan, "micro loan" relies on strict risk control rules and complete technical support.

system, providing 7*24 hours online service, convenient and efficient procedures, all processes are completed on the mobile phone, and the loan can be received in 40 seconds at the earliest;

3. Early repayment.

There is no handling fee, most traditional financial institutions require users to repay on the day of repayment, and users need to apply and pay a handling fee if they want to repay in advance. In addition to the regular default withholding repayment, "WeLoan" also allows users to settle the loan at any time without any additional handling fees.

Credit card installments.

It refers to the process in which the bank pays the merchant a one-time consumption fund for the goods (or services) purchased by the cardholder when the cardholder uses the credit card to make a large purchase, and then allows the cardholder to repay the loan to the bank in installments and pay the handling fee. According to the cardholder's application, the bank will deduct the consumption funds and handling fees through the cardholder's credit card account in installments, and the cardholder will repay the monthly credited amount.

When the repayment date of WeLoan arrives, you can enter the WeLoan repayment page, and then you can directly repay the loan manually. Generally speaking, on the repayment date, the system will initiate an automatic deduction, so there is no need for users to actively repay. If the automatic deduction fails, or the automatic deduction repayment amount is insufficient, then the user can enter the parade to manually repay the loan to avoid overdue loans.

1. If the automatic deduction in our micro loan fails, and we want to repay it manually. If the bank card fails to be deducted due to insufficient balance, it will be automatically deducted from the wallet.

2. If we want to repay the loan in advance, we can enter the "Personal Center" of WeLoan and follow the prompts to "repay the loan in advance". We can also repay WeLoan in the WeBank app.

3. If we want to repay the loan manually, we can also choose to borrow money in the QQ wallet of QQ on our mobile phone, and we can also repay the loan manually.

5. If the WeLoan is not successful on the day of deduction, we can also click "Repayment Failure Notification" to repay manually, or enter "Automatic Repayment Failure" through ***, you will receive a prompt message, and you can operate according to the prompt.

Of course, if you show that the deduction failed on the repayment date, you can click on the repayment failure notification to manually repay the current payment. Or enter "automatic repayment failed" in the micro loan official account, and follow the prompts on the page to manually repay the current period, which is still very convenient.