Petty consumer credit loans are consumer credit loans granted by the lender to borrowers with good credit standing¹ to facilitate normal consumption, labor² service and other fee payments.

To the interest rate for petty consumer credit loans, the interest rate for loans of the same grade set by the People's Bank of China applies. Upward fluctuation⁴ of the interest rate shall not surpass the range provided for by the PBC.

小额信用消费贷款是贷款人向资信良好的借款人发放的用于正常消费需求及劳务等费用支付的一种信用消费贷款业务。