Wayward payment is Suning financial’s personal consumption staging brand, which provides multi scene and omni channel consumption staging service for individual users. 0 down payment, interest free, no mortgage, optional up to 24 instalments, easy experience to enjoy before pay. Monthly bills can also be phased.
任性付是苏宁金融旗下个人消费分期品牌，为个人用户提供多场景、全渠道的消费分期服务。0 首付、免息多、无抵押，可选至高 24 期分期还款，轻松体验“先享后付”。月度账单也可分期。任性付依托苏宁生态圈、持续打通 3C、家装、家居、百货、快消、出行等场景，为苏宁线上、线下全渠道会员提供消费普惠+增值金融服务，助力亿万用户生活品质升级。
Wayward payment is Suning financial’s personal consumption staging brand, which provides multi scene and omni channel consumption staging service for individual users. 0 down payment, interest free, no mortgage, optional up to 24 instalments, easy to experience “enjoy before pay”. Monthly bills can also be phased. Relying on the Suning ecosystem, wilful pay continues to open up 3C, home decoration, home furnishings, department stores, FMCG, travel and other scenes, providing consumer inclusive + value-added financial services for Suning online and offline Omni channel members, and helping hundreds of millions of users to upgrade their quality of life.
Wilful pay interest free mall is an interest free shopping mall dedicated to Suning e-buy and Suning financial users. Wayward payment members can purchase mobile phone, communication, digital, home appliances, beauty, mother and baby, supermarket, department store, decoration and other goods and services in the mall, and enjoy “wayward payment by installments”.
2020 年 2 月底，任性付在苏宁易购“315 全民焕新节”前，推出 24 期免息补贴活动，全品类核心爆品尽享最高 24 期免息，全面助力苏宁户焕新升级。从苹果手机、华为手机、戴森美发器、美的空调、海尓冰洗等消费者追捧品牌，实现 TOP 单品全覆盖。活动期间，任性付 24 期分期免息占比过半，整体免息比例超过 95%。自此，任性付最高 24 期免息活动成为态，分期买好物，购物零负担，让更多用户享受到苏宁金融普惠服务的便捷和实惠。 2020 年 10 月，任性付在双十一购物节前，全新上线专项额度功能，通过实时、智能匹配用户购物需求，授予品类、场景专项额，畅享“任性”物体验。
At the end of February 2020, wilful pay launched 24 interest free subsidy activities before the “315 national renewal Festival” of Suning e-buy, with the highest 24 interest free subsidy for all categories of core explosive products, comprehensively helping Suning households to upgrade. From Apple mobile phone, Huawei mobile phone, Dyson hairdresser, Midea air conditioner, Haile ice wash and other consumer sought after brands, to achieve full coverage of top products. During the activity period, more than half of the 24 periods of willful payment are interest free, and the overall interest free proportion is more than 95%. Since then, the interest free activities of up to 24 periods of willful payment have become a “free” state, buying good things by stages and shopping with zero burden, so that more users can enjoy the convenience and benefits of Suning financial inclusive services. In October 2020, wayward payment will launch a new online special quota function before the double 11 Shopping Festival. Through real-time and intelligent matching of users’ shopping needs, it will grant special quota for categories and scenes, and enjoy the “wayward” experience.
How to open wayward payment?
任性付开通操作便捷，支持两种方式：① 一键激活：采取邀请制，仅部分用户可见，受邀用户在苏宁易购 APP、小店 APP 看到后，点击“同意协议并支付”并按页面提示操作即可。② 自主申请：自主申请入口较多，用户通过苏宁易购 APP，苏宁金融 APP 等查看到任性付开通邀请页面，点击跳【任性付页】-【立即申请】并按页面提示操作即可；用户还可通过“苏宁任性花”微信公众号，点击底部菜单【任性付】-【开通/查账/还】并按页面提示操作。
Wayward payment is easy to operate and supports two ways: ① one click activation: it adopts the invitation system and only some users can see it. After the invited users see it in Suning e-buy app and Xiaodian app, they can click “agree to the agreement and pay” and follow the prompts on the page. ② Independent application: there are many independent application entrances, and users use Suning e-buy app and Suning financial app When you see the wayward page, click jump, and then click the page to apply immediately. Press the page prompt. Users can click on the WeChat official account of “Suning willful flower”, click on the bottom menu [capricious pay] – [open / check / / /] and press the page prompt.
How to repay?
任性付的还款方式有两种：① 系统代扣：在每月还款日当天，若您存在待还金额，系统将会从您的苏宁金融账户（余额、零钱宝）或账户绑定的储蓄卡中，扣除相应的待还金额。扣款顺序：正常情况下，还款日当天会分别按照余额＞零钱宝＞绑定储蓄卡进行自动扣款。② 主动还款：若在出账日后，您可进行主动还款；或有账单逾期时，您也可进行主动还款。款路径：登陆【苏宁金融 APP】- 点击【任性付】-【立即还款】；或登陆【苏宁易购 APP】- 点击【我的易购】-【任性付】-【立即还款】
There are two repayment methods of willful payment: ① system withholding: on the repayment day of each month, if you have the amount to be returned, the system will deduct the corresponding amount to be returned from your Suning financial account (balance, zero coin) or the savings card bound to the account. Deduction order: under normal circumstances, automatic deduction will be made on the day of repayment according to balance > zero coin > bound savings card. ② Active Repayment: you can make active repayment after the account date; or you can make active repayment when the bill is overdue. Payment path: log in to [Suning financial app] – click [willful Payment] – immediate repayment; or log in to [Suning Tesco app] – click [my Tesco] – willful Payment] – immediate repayment
What’s the point of sex payment?
任性付有以下特点：① 门槛低：20 周岁（含）~55 周岁（含）、具有良好信用记录及一定还账单能力的国公民均可申请；② 申请流程短：仅需绑卡(支持无卡绑卡)、身份核验、填写资料并授权，即可完成；部分用户支持一键激活体验额度；③ 额度高：最高可获得 5 万额度；④ 额度审批快：一般 30 秒内即授信额度；⑤ 期限长：可享至高可分 24 期；⑥优惠大：不定期开展 3 期、6 期、12 期免息活动。
Willful payment has the following characteristics: ① low threshold: 20 years old (including) ~ 55 years old (including), citizens with good credit record and certain ability to repay bills can apply; ② short application process: only card binding (supporting no card binding), identity verification, filling in information and authorization can be completed; some users support one click activation of experience limit; ③ High line: up to 50000 lines; 4. Fast line approval: generally 30 seconds; 5. Long term: up to 24 periods; 6. Big discount: carry out interest free activities in 3, 6 and 12 periods from time to time.
I am not short of money. Why should I apply for willful payment?
Willful payment can not only help users to solve the small consumption demand, but also enjoy interest free discount. In addition, the user can deposit the funds used for payment in Suning finance during the interest free period after paying interest free payment willfully, and use them to purchase change treasure wealth management products, enjoy the wealth management income of the funds during the interest free period, and the change treasure funds can be automatically returned when the bill is repaid. That is to say, while reaping the financial benefits, enjoy the interest free welfare of willful payment, and enjoy spending while earning.