微粒贷最低利息是多少？2025年最新消息看这篇

Core Insights - The article discusses the convenience and features of microloans, specifically focusing on WeBank's microloan product, WeiliDai, which stands out due to its "no collateral, rapid approval" characteristics [1][2]. Summary by Sections WeiliDai Features - WeiliDai is a bank product that is safe and regulated, with transparent interest rates. Users can access it through WeChat and QQ, and it does not have a standalone app. The loan application process is entirely online, requiring no collateral or paper documents, with approval typically within 10 seconds and funds disbursed in as little as 1 minute [2]. WeiliDai Interest Rates - The interest for WeiliDai is calculated daily, using the formula "remaining unpaid principal × daily interest rate × number of borrowing days." The annual interest rate for 2025 ranges from 3% to 23.76%, translating to a daily interest rate between 0.0083% and 0.066%. The minimum interest rate is determined by the system based on a comprehensive assessment, and cannot be altered manually [4]. WeiliDai Repayment Methods - WeiliDai offers three repayment methods: - Automatic repayment, where the system deducts the owed amount on the due date, requiring sufficient balance in the bank account to avoid overdue payments. - Manual repayment, which can be done if automatic deduction fails. - Early repayment, which incurs no fees, with interest calculated only up to the day before the loan is settled. However, early repayment must be for the full amount, as partial early repayments are not allowed [5]. Strategies for Lower Interest Rates - To obtain the lowest interest rates, users are advised to: - Maintain a good credit reputation by repaying on time. - Pay attention to promotional activities announced through official WeiliDai channels. - Plan borrowing amounts and repayment terms carefully to avoid excessive borrowing that increases costs [5]. Important Reminders - WeiliDai operates on an official invitation basis, and any claims of "paid activation" or "forced credit increases" are scams. Loan funds can only be disbursed to the borrower's debit card, emphasizing the importance of account security. The minimum interest rate is based on a comprehensive credit assessment and cannot be manually adjusted [7].