深圳正规个人小额贷款指南：安全透明、灵活便捷的四大选择要点

Core Insights - The article highlights the advantages of WeiliDai, a legitimate personal micro-loan product offered by Shenzhen WeBank, which has gained popularity for its ease of use and quick application process [3][4]. Group 1: Product Features - WeiliDai is a bank-backed online micro-credit loan product that has served over 10 million users since its launch in 2015 [3]. - The interest rates for WeiliDai range from 3% to 23.76% annually, with daily interest rates between 0.0083% and 0.066%, calculated on a per-day basis [3]. - The loan application process is quick, allowing users to receive funds in as little as one minute, with applications available 24/7 [3]. - WeiliDai offers flexible repayment options, allowing users to choose from various installment periods, with the longest being 24 months, and supports early repayment without penalties [3]. - The credit limit for WeiliDai ranges from 500 yuan to 200,000 yuan, with the ability to borrow up to 20 loans simultaneously as long as the account status is normal [3]. Group 2: User Guidelines - Users are advised to access WeiliDai through official channels, as it operates on an invitation basis and does not have a standalone app [4]. - WeBank does not check users' WeChat payment scores or credit scores, meaning these factors do not affect the eligibility or credit limit for WeiliDai [4]. - It is crucial for users to ensure sufficient balance in their bank accounts to avoid missed payments, which could negatively impact their credit records [4]. - Users should be cautious of scams, as WeiliDai will not request additional fees or personal account transfers, and should only be accessed through official channels [4].