In fact, in addition to spending money and borrowing money, Alipay is like a loan supermarket, and it also provides 8 kinds of hidden loans, which can provide loan services for users. Let's take a look at the characteristics of the loans in Alipay.
1, excuse me
The loan is a personal credit loan in Alipay. The loan amount ranges from 5 million yuan to 300,000 yuan, the longest loan period is 12 months, and the daily loan interest rate is 0.0/kloc-0.5%-0.06%. At present, ant borrowing is officially invited to open, and only invited users can apply for loans at borrowing.
2. Ant flower buds
Bai Hua is a consumer credit loan in Alipay, and its function is mainly used for overdraft consumption. Bai Hua is actually similar to the familiar credit card. Repayment can be made after consumption, and the longest interest-free repayment period is 4 1 day. The consumption quota supported by Bai Hua ranges from 500 yuan to 50,000 yuan. Users can also apply for installment payment after using Bai Hua. The currently supported installment period is 3/6/9/ 12.
3. Long-term loans
Good loan is a credit owned by China Merchants Bank. Users can pay attention to the life number of good loans through Alipay and apply for loans online. The loan threshold requires a sesame credit score of more than 600 points. In addition, they need to have a real-name authentication mobile phone number for more than 3 months. The maximum loan amount for a good loan is 200,000. After the user applies for a term loan, the loan amount can be directly credited to Alipay account.
4. Be good at borrowing money
Good Loan is a loan launched by Mi You Finance and Alipay. Users can apply for loans online by adding services to Alipay to repay Mi You Finance. The maximum loan amount supported by Good Loan is 200,000, and the minimum daily interest rate of the loan is 0.03%. This product requires higher personal credit status of borrowers, and only users with sesame credit score above 700 have the opportunity to obtain loan funds.
5. Interesting stage
Sesame scores above 600 points to apply. The loan amount is 2500 yuan, and face-to-face signing is supported.
6. Scaffolding
Future installment is fun installment credit. Users can find the entrance of future installment loans through the "credit life" in the sesame credit score in Alipay, and then apply for loans online.
7. Comfortable flowers
Consumer finance can borrow and repay credit loans, and you can apply after paying attention to Anyihua's life number in Alipay. The loan amount is 500-50000 yuan, and the new user only needs 1000 yuan, and the sesame score is more than 620.
8. Online commercial loans
Online merchant loan is a credit loan in Alipay, mainly for merchants in Taobao or Alibaba, with a maximum loan amount of 654.38+00,000.
9. Order loan
Order loan is a loan launched by Alipay for Taobao merchants. Only Taobao sellers who have personal stores in Taobao have the opportunity to apply for loans. The daily loan interest rate is generally 0.05%.
There are many loan channels in the market. Borrowing friends must find a formal platform to avoid falling into routine loans. Alipay's flower buds, borrowing buds, Tencent's micro-loans and Xiaoman Finance (formerly Baidu Finance)' s rich flowers are big brands with the advantages of reliability and low interest rates.
Rich flower owners push easy loans, and rich flowers-easy loans, the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. (Click here to test the consumption amount for free)
To sum up, nine kinds of loans are aimed at different user groups, including individual users, Taobao and Alibaba merchants. These products require higher personal credit status of borrowers, and only users with sesame credit score of 600 or even 700 have the opportunity to obtain loan funds. Moreover, in addition to borrowing treasures, good-term loans and online business loans, other loan quotas are relatively low. High-quality loans, future installments, etc. You can enter the product page through the corresponding loan life number, but it is very complicated for some products to find the loan entrance.
Compiled from: AI Finance and Economics Society, Online Loan House