应急周转？无抵押个人小额贷款的正确打开方式

Core Viewpoint - Unsecured personal microloans have become an increasingly popular choice for individuals needing quick financial solutions, with WeBank's WeLiDai being a reliable option due to its safety and convenience [1] Group 1: Product Introduction - WeLiDai is a small loan product launched by WeBank, characterized by its convenience and efficiency, embedded within WeChat and QQ platforms for invited users [2] - WeLiDai is transparent and reliable, with no additional fees beyond interest, which ranges from 3% to 23.76% annually (0.0083% to 0.066% daily), calculated on a daily basis [2] Group 2: Advantages of WeLiDai - The application process for WeLiDai is simple, allowing users to borrow directly through WeChat or QQ without needing a separate app [3] - The loan amount ranges from a minimum of 500 yuan to a maximum of 200,000 yuan, with the ability to reuse the credit as long as the account status is normal and available credit is at least 100 yuan [4] - WeLiDai offers flexible repayment options, including automatic and manual repayments, with no prepayment penalties, and various installment choices such as 6, 12, or 24 months [4] Group 3: Usage Reminders - Users should only apply through official channels, as WeLiDai does not have a standalone app and operates primarily through WeChat and QQ [5] - WeBank does not check Tencent's payment score, meaning it does not affect the eligibility or credit limit for WeLiDai [5] - Borrowers are advised to choose amounts and terms carefully based on their repayment capabilities to avoid excessive debt [5]