微粒贷是正规平台吗？一文告诉你答案

Core Insights - WeBank's microloan product, "Weilidai," is a legitimate small credit loan service launched in 2015, integrated within WeChat and QQ platforms [1] Group 1: Product Overview - Weilidai is a formal banking product offered by WeBank, available only through official channels on WeChat and QQ, and is invitation-based for users aged 23 and above [1] - The product does not have a standalone app, and users cannot force activation of the service [1] Group 2: Interest Rates and Repayment Terms - The annual interest rate for Weilidai ranges from 3% to 23.76%, with a daily interest rate between 0.0083% and 0.066%, calculated on a daily basis [3] - Borrowers can choose repayment terms of 6, 12, or 24 months, with a maximum of 24 installments available [3] Group 3: Borrowing Process - The borrowing process requires users to access Weilidai through WeChat or QQ, verify their identity, and check their borrowing limit [5][6] - Users can apply for a loan by selecting the amount and repayment period, with funds potentially disbursed within one minute upon approval [7] Group 4: Repayment Methods - Weilidai offers various repayment options, including automatic, manual, and early repayment, with no penalties for early repayment [8] - Automatic repayments occur on the due date, while manual repayments can be made if automatic deductions fail [8]