Why haven t I received the micro loan yet?

The normal one is one second, if it is too long to arrive, it is estimated that the audit has not passed.

If someone contacts you and asks you to save money first, it is 100% fraud and criminals, don't be fooled.

Recently, there have been many similar fraud routines, so pay attention to fraud prevention.

Have you passed the review, if you have passed, and the three words in the loan are displayed, then there is no need to worry, after all, is the bank transfer time-sensitive? You can wait, there should be a result in a day, and you can just follow the phone information.

If it still doesn't arrive within a day, you can contact WeLoan customer service and ask about the arrival, and they will tell you what's going on, just rest assured.

"WeLoan" is the first Internet bank in China, WeBank, launched 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 2015. Invited Hong Kong users can see the entrance of "WeLoan" in the "QQ Wallet" of QQ on their mobile phones and the "WeChat Pay" of WeChat, and can get a maximum loan amount of 200,000 yuan.

If you don't arrive, you don't have to repay, go to customer service and ask why it didn't arrive, it may be the reason why the audit didn't pass, so it didn't arrive.

Will you call ** to the contact.

No, you can get the money in your account, and you can pay it back.

How to solve the problem that I can't borrow if I have a quota for micro loans?

As much as the amount of the micro loan is displayed, the amount of the amount that should be able to be lent out, and the amount will be restored immediately after repayment, why does early repayment lead to insufficient overall score? In general, the impact of early repayment on the overall score is not direct. However, early repayment is considered a breach of contract in the loan contract, and the lending institution will lose a certain amount of interest expense, which some lenders do not like very much.

Moreover, early repayment means that users do not need the quota very much, and the total amount of WeLoan is limited, and for the platform, the amount can be lent by the user instead of being idle in the account is the most profitable, so at this time, the loan platform will often put the quota to users who are more in need.

In addition, according to the feedback of some netizens, if the early repayment is paid off in full, the amount will basically be restored quickly, so you can also pay attention to it in the process of use, borrow the required money at one time, and try to repay the loan in installments or in full according to the agreement when repaying.

There is also a situation where the user's credit report is overdue, or the credit service of WeChat is in default, which will lead to the freezing of the quota and the unusability. In this case, it is best for users to settle the arrears quickly, deal with the default, and then slowly recover the quota through good WeChat usage habits.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Online loans are risky, so you need to be cautious in your choice!

If you can't lend money, you can check that your limit has been reduced, and many lending platforms will automatically reduce the limit if the user has obvious arbitrage behavior or poor repayment ability.

The money repaid by the micro loan cannot be borrowed. Then it is possible that the platform has carried out risk control on you, so it will not give you a quota to use for the time being.

Because borrowing again requires re-evaluation. When your rating is insufficient, of course, you can't borrow again, so you can wait for a while and try again.

If you can't get a granular loan, of course you can't borrow the money, because there are honest things, and if you don't pay it, others won't bring it to you.

If the money repaid by the micro loan cannot be borrowed, it is likely to be caused by the following reasons:

1.Failed to repay on time within the specified repayment period, and was overdue, and was reported to the central bank for credit investigation by the system, leaving a bad record in the personal credit report, resulting in damage to personal credit, and the system froze the amount.

2.There are other outstanding loans in the account, and the total number has reached 20 (WeLoan clearly stipulates that the outstanding loans cannot exceed 20, if there are WeLoan in WeChat and QQ, then WeChat and QQ can each borrow up to 20 loans).

3.The amount of borrowing in the account is less than 100 (WeLoan clearly stipulates that the minimum amount of a single loan is 100 and the maximum is 40,000).

4.The card status is abnormal.

5.The reserved ID card information of the bank card has expired.

6.Change of mobile phone number reserved for bank card.

7.The bank card is a second-class account, and the second-class account has a limit of 10,000 yuan, and if the borrowing amount exceeds the limit, the borrowing will lead to loan failure.

The corresponding solutions are as follows:

1.Hurry up to pay off the overdue arrears, and then patiently repair the damaged credit, accumulate a good record, and when the personal credit level is improved, the amount should be restored when the celebration is delayed, and the customer can borrow again (it is recommended to raise the credit for three to six months first, and then the system will comprehensively evaluate it every month or so).

2.Repay several outstanding loans, and then apply for new loans when the total number of loans is less than 20.

3.If there is still a loan that has not been paid off, you can repay it in time, and you can borrow again when the restored amount exceeds 100 (you need to note that if you repay the current payment, the principal amount will not be restored to the borrowable amount; The credit will only be restored if the loan is repaid in a lump sum).

4.Contact the card issuer to verify the status of the bank card, whether it is reported as lost, frozen and expired, etc., and you can re-borrow with other bank cards.

5.You can contact the card issuer to verify the updated information before trying to borrow a loan.

6.You can change back to the original reserved mobile phone number or contact WeBank staff to update the information.

7.You can re-borrow a new type of card, or borrow in multiple payments.

1.There is a bad record in the credit report. WeLoan is a WeBank.

Loan products launched. Therefore, whether the user opens or raises the amount in the later stage, it is possible to inquire about personal credit.

Target. If the user's credit card has a bad record during this period, it will also cause the user to be unable to borrow money after the microloan is repaid.

2.The system re-evaluated and failed. Generally speaking, when a user borrows again, the system will evaluate it again. If the result of the re-assessment does not meet the borrowing requirements of WeLoan, and the comprehensive assessment fails, the WeLoan will no longer provide the quota.

3.Pay it off early. If you apply for a loan in WeLoan, if you pay off it in advance, the subsequent handling fee will not be charged.

Extended Materials: Micro Loans.

In July, WeLoan.com was established in Hangzhou, engaged in P2P business based on auto mortgage lending.

On May 20, Micro Loan Network announced in Beijing that it had received 1 billion yuan in Series C financing. The lead investor is Jiayu**, and the co-investor is China Securities Construction Investment.

Capital and listed company Dongyi Risheng.

3.According to the credit approval system of the Internet Finance Association of China, as of February 28, 2018, the turnover of micro-loan network reached 170.8 billion yuan, the total number of transactions exceeded 4.4 million, and the total number of investors reached 850,000. The depository bank of customer funds of the microcredit network is Bank of Xiamen, which has obtained the ICP license and is in the process of filing.

On August 11, the U.S. ** Exchange Commission (SEC) documents showed that the P2P online lending platform WeLoan.com submitted U.S. IPO documents and intended to be on the New York Stock Exchange.

The listed transaction, **"WEI", plans to raise up to $100 million. The underwriter was Morgan Stanley.

and Credit Suisse.

On November 15, the micro-credit network was listed on the New York ** Exchange.

Listed on the market, ****.

is "wei". The microfinance IPO is priced at $10 per share and 4.5 million American depositary shares** are issued, raising approximately $45 million.

On September 19, the micro-loan network (net profit.

100 million yuan, a year-on-year decline.

On May 31, WeLoan.com stated in its official announcement that based on national policies and industry trends, WeLoan decided to withdraw from the online loan industry before June 30, 2020 and no longer operate online loan information intermediary business after careful research.

Operating environment: Redmi K30Pro, WeBank version.