1. The lender is at least 18 years old, and the age plus the loan period is not more than 70, with legal and valid identification;

2. The lender's income source is legal and stable, and it has the ability to repay the loan principal and interest on time;

3. The lender is law-abiding, honest and trustworthy, and has no illegal acts. At present, there are no criminal cases or civil cases against them;

4. The lender's credit is good, there is no record of overdue repayment in the personal credit report, and the credit report records meet the product access requirements.