Can a micro loan be reviewed at night? WeLoan made a phone call at night to review why it didn t len

OK. Specific steps:

2. Then click on the wallet to enter the personal money management interface.

3. Click the bank card button to enter the bank card management interface.

4. Click the borrow button below to enter the borrowing interface of WeBank.

5. Agree to his terms, click Start, enter your payment password, and the system will start to calculate your loan amount.

<>6. After that, enter your borrowing amount, generally 40,000 yuan for a single transaction, with a minimum of 500, and then click Next. Everyone pay attention to his interest rate, which is 5/10,000 per day interest rate, and I estimate for myself that the interest rate for a month is about.

7. After that, choose which bank account to send the money to, click Next, and then enter the payment password, you can accept the loan, and the loan will arrive soon, usually 15 minutes.

First of all, we need to understand that "WeLoan" is a pure online personal microcredit revolving consumer loan product launched by Tencent WeBank, the first Internet bank in China, for WeChat users and mobile QQ users, which was launched on mobile QQ in May 2015 and WeChat in September. "WeLoan" adopts a user invitation system, and invited users can currently see the entrance of "WeLoan" in the "QQ Wallet" of QQ on their mobile phones and the "WeChat Wallet" of WeChat, and can obtain a maximum loan amount of 300,000 yuan, which is an online review and automatic review of big data, day and night.

The reason why WeLoan did not lend at night may be due to system failure. Bend acres of sedan car.

Extended information: To go through the formal platform, there are special people responsible for following up WeLoan.

1.The micro loan will be approved. After a successful loan application, some people will disburse the loan within a few minutes of approval, while others will show Waiting** for confirmation.

If you miss **, the staff will contact you at another time, but if you miss it more than once**, the audit may fail. Micro loans do require a review, but this is based on your loan situation. If the durability process shows that you are waiting for confirmation, a review is required.

If you miss a call, you can call it back directly, and if there is no one, you can consult their customer service. Received within one day at the latest. Microfinance disbursements are still very fast.

But sometimes you need to hit ** to confirm. The money will not arrive until it has been confirmed. You need to pay attention to answering customer service**.

If you missed it, don't worry. You'll call you ** later. Also, you don't need to pay off the loan before you can continue to borrow microloans.

10 days overdue does need to go through the process, and users need to strictly fulfill their repayment commitments in accordance with the loan contract.

1. Consequences of overdue micro loans.

1. Penalty interest will be incurred if it is overdue.

First of all, there must be a penalty interest, overdue penalty interest = overdue principal daily interest rate 50% overdue days. The daily interest rate is that if you borrow $5,000, the interest will be $100 for each day you are overdue.

2. There is a bad record in the credit report.

If you apply for a loan and do not repay it on time when it expires, then it is certain that your personal credit will have a bad record, and even if WeChat does not close your micro loan, you will not be able to raise the amount in the future.

3. Being collected or even facing jail time.

In the early stage of non-repayment, the customer service staff will contact you through **, text message to remind you to repay on time, if you still ignore it, it is likely to be prosecuted, if the circumstances are serious or the amount is large, you will also face the risk of jail.

2. After the micro-loan is overdue, it may go through the legal process.

Generally, if the micro loan is overdue and fails to repay after 3 collections, it will be considered to be maliciously overdue, and WeBank, which has a relatively large amount, will go to the court to sue the borrower, and after the court judgment, the borrower has the ability to not repay and is listed as a dishonest person subject to execution, and the property in the name of the real-name authenticated individual, including WeChat, will be frozen, so that WeChat will be deactivated.

3. Penalty interest for overdue micro loans.

As with most loans, there are also high penalty interest rates when micro loans are overdue. The specific penalty interest is charged as 50% of the overdue amount. The penalty interest is calculated as follows:

Penalty interest = overdue amount (1 + 50%) * number of overdue days * daily interest rate. In fact, it is very easy to understand, if you borrow 10,000 yuan and are overdue for 1 day, the interest generated at this time will be calculated according to the principal amount of 15,000 yuan.

Extended Information] About overdue.

If the borrower is overdue for more than 3 months, the borrower may also sue the borrower in court, and once the borrower wins the lawsuit, the court will force the borrower to repay the loan, but still refuses to repay, then the borrower will be listed as a dishonest person subject to execution, which will affect the normal travel of the individual and restrict high consumption.

A loan product launched with a loan amount ranging from 500 to 300,000 yuan. The review of micro loans is generally completed within 10 minutes, and because it is a system-wide review, the review and disbursement will generally be completed quickly. WeLoan is a lending product launched by Tencent WeBank, with loan amounts ranging from 500 to 300,000 yuan.

**The review is generally to ask for the basic information of the individual, and confirm that it is the loan applied for by the person; If the loan is successful, you need to wait for **confirmation, and you can get it after typing** confirmation.

Extended information: 1. The review of micro loans** has not been received.

1. Check if the mobile phone number you entered during the review is wrong;

2. You can check your call history, if you miss the number 0755-88648320, you can directly call back to the past, and there may be a busy situation;

3. Check if the phone is set up to resist.

2. Micro loans.

A certain credit limit is given according to the user's credit situation, which can be directly withdrawn and used, but not everyone has it, and some areas are not open, but the micro loan we are talking about is not the loan amount given by the WeChat platform, but a credit loan will be given to you according to your personal use of micro loan.

Therefore, the prerequisite for doing micro loans is to have micro loans and use them normally.

3. Basic requirements.

1. Natural persons aged 18-65 years;

2. The actual age of the borrower plus the loan application period should not exceed 70 years old;

3. Have a stable occupation and income, and the ability to repay the principal and interest of the loan on time;

4. Good credit information.

Fourth, is it true that the credit information on the micro loan is true?

First of all, I can clearly tell you that micro loans are on the credit report.

WeLoan will be on credit from the beginning of the application, because WeLoan is a credit loan launched by WeBank, which is a bank loan.

product, WeBank will send "loan approval" to the central bank after you confirm the authorization and pass the identity authentication.

Initiate a credit report.

Check the application, so once you authorize it, the central bank credit report will show "loan approval".

You don't have to be too nervous about this record, Kang Xiaocai can tell you that although there will be some bank practitioners who consider the approval records within a certain period of time when reviewing, this is not a negative record.

However, if you fail to pay off the arrears in time and are overdue after using WeLoan, you will show "overdue" on the credit report, which is considered a negative credit record.

Therefore, you must repay the loan on time, so as not to have a negative impact on your personal credit, and when using the micro loan, you should also have a certain understanding of your own capital situation and repayment ability, and use the micro loan reasonably, so as not to have no money on hand when it expires, and you will be charged penalty interest in addition to affecting the credit investigation, which is very cost-effective.

Of course, in credit life, in addition to the use of micro loans and micro loans overdue, there are many situations that will be on the credit report, such as overdue credit cards, overdue housing loans, car loans, etc., and overdue guarantors who provide guarantees for third parties, which everyone should know.

The approval of micro loans usually takes 1 to 3 days.

Some users may need to contact manual customer service for review due to the first time applying for a loan, or the risk problem of the account, or the abnormal change of personal information, mainly to check the authenticity of the information and verify whether they are applying for a loan, and not everyone needs to pay a return visit. Return visit** is generally these two numbers to call 95384 (subject to the official platform service number), everyone should pay attention to identification, so as not to be deceived. Also, it's a good idea to check the phone blocking software in case the return visit** is blocked.

Micro Loan is a relatively popular online loan, after submitting the application, there may be a prompt "wait for confirmation" or prompt "initiate review", which are the characteristics of Internet loans, the whole process of online application, review, repayment, no need to go to the branch to wait in line.

The main advantages of micro loan are as follows:

1. No need for mortgage and guarantee, "micro loan" does not need to provide any paper information, no collateral and no guarantee, revolving credit, the average approval time of the credit line of micro loan is as low as seconds, which can better meet the needs of users for small financing;

2. The cost is transparent and reasonable, and the borrowing cost is low;

3. Fast loan disbursement;

4. Simple and convenient to use;

5. Intimate customer service, WeLoan provides 7*24 hours of uninterrupted service, and at the same time, WeLoan has set up convenient channels for people with hearing impairment, visual impairment and language impairment.

The steps to apply for a micro loan are as follows:

3. Click the "WeLoan Loan" button to enter the "WeLoan Loan" borrowing interface;

4. After agreeing to the terms, click Start, enter the payment password, and the system will start to calculate the loan amount;

5. After completion, the system will return the borrowing amount, and you can start borrowing money.

Operating System: Brand: Apple 12

System version: iOS14

No. Customer service is also a person, and it needs to be manually reviewed, so it will only be played on weekdays and during working hours, and the working hours of micro loan customer service are 9:00-18:00 from Monday to Sunday

00, weekends and holidays will be a little slower. In addition, WeLoan mainly verifies the information by typing **, and does not harass the borrower's contacts, so there is no need to worry too much.

Extended information: 1. WeLoan: "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.

The "WeLoan" adopts an official invitation system, and invited users can see the "WeLoan" entrance in the "QQ Wallet" of QQ on their mobile phone and the "WeChat Pay" of WeChat, and can get a maximum loan amount of 200,000 yuan.

2. Product features:

1) Most of the personal loans provided by traditional financial institutions require the borrower to provide collateral and other guarantees, and it is difficult for individual users who cannot provide guarantees or do not have fixed assets in their names to obtain loans. "Micro Loan" does not require collateral and guarantee, and does not need to submit any paper materials, which can better meet the small financing needs of users with good credit.

2) Relying on strict risk control rules and a complete technical support system, "WeLoan" provides 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) Most traditional financial institutions require users to repay on the repayment date, 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.

4) Micro Loan Limit: The credit line of "Micro Loan" to users is between 100 yuan and 200,000 yuan, which varies according to the comprehensive situation of the individual. A single loan can be borrowed between 100 yuan and 40,000 yuan.

The daily interest rate is 2-5 yuan a day for 10,000 yuan. By the end of 2019, Micro Loan had issued more than 100 million loans to more than 28 million customers in nearly 600 cities in 31 provinces, municipalities and autonomous regions across the country, with a cumulative loan amount of more than one trillion yuan.

Wait patiently and wait for the skin to rot, ** whether it has been intercepted, or see if it is a working day 1Check if it is the wrong mobile phone number you entered during the review2See if you've already hit **, but you haven't received 3

See if the phone is set up to resist block 4If you miss the confirmation**, your staff will contact you at another time, and multiple misses may result in a failed application and the need to submit the application again.