1. The age of the applicant should be 18 years old and above, and the maximum age is generally no more than 65 years old. The applicant must have a stable credit record, and there is no serious overdue, default and other bad credit status. Applicants need to have a stable source of income, and generally require to work in the current unit for more than half a year. At present, only some cities support the product, and the applicant must be in the city that supports the product. Applicants also need to provide relevant documents and materials according to their actual situation, and fill in the application form and personal information as required.
2. "Lightning loan" is a mobile internet loan product launched by China Merchants Bank, which belongs to the small consumer loan business. Because of the fast approval speed, it is known as lightning. The implementation of "lightning loan" must rely on the App of China Merchants Bank and have the ability to handle the whole process of loan application, review, withdrawal and repayment by mobile phone, so as to get rid of the inconvenience caused by the need to provide various materials and face-to-face interviews for traditional bank loans. There is no restriction on the application of "lightning loan", as long as citizens with civil capacity can apply.