Messaging apps like WeChat provide every service you can imagine:

Tencent Holdings Ltd. plans to add a personal loan feature to its popular WeChat smartphone messaging application later this month, in the latest step in the Chinese Internet giant’s expansion in online financial services, according to people familiar with the matter.
The new WeChat feature called Weilidai, which literally means “a tiny bit of loan,” allows users to borrow up to 200,000 yuan ($31,350) without guarantee or collateral. The Weilidai service is operated by WeBank, an Internet bank launched in January by Tencent and Chinese financial firms.