The authentic loan platforms for online merchants include:

1. Have money to spend.

2. 360 IOU.

3. Jingdong gold bars.

4. Ctrip Finance.

5. Hua Ya borrows money.

6. Consumer finance immediately.

7. White Cat Loan.

8. Zhongyuan Consumer Finance.

9. Borrow via Alipay.

10. China Merchants United Finance.

Customers can find credit loan products that suit them at these lending institutions, and then follow the system prompts to submit loan information and wait for system review. Only after passing the review can they obtain a loan limit. If they do not obtain a credit limit, This means that the customer's current qualifications still do not meet the platform's requirements.

If the customer cannot borrow money from a genuine loan platform, the customer can borrow money from relatives and friends, or from a small loan company whose review is not so strict. However, some small loan companies do not have relevant Loan qualifications and the design of loan products may have some irregularities. Customers need to be careful when applying for a loan, and be careful not to encounter a rogue loan and cause financial losses to themselves.