Sesame credit can be used for loans, but it is mainly used to apply for loan products under Alipay, and it is rarely used to apply for bank loan products. Sesame credit score is mainly used for some third-party lending institutions to authenticate users' flower shops, loan shops, life credit and credit, which is a reference material, but it is not the only reference condition.
Bank loans are mainly about inquiring about the credit information system of the People's Bank of China, not the credit score of Alipay. Unless users are reported to Big Data or the credit information system of the People's Bank of China after Alipay's loans overdue, banks rarely refer to Sesame Credit Score.
Second, what kind of money can only be borrowed from sesame seeds?
Sesame credit can be loaned. Alipay official Weibo announced that Sesame Credit has reached a cooperation with Zhaolian Finance's "Good Term Loan". If the sesame score is above 700, you will have the opportunity to apply for a "good term loan" and get a loan amount ranging from 2000- 10000 yuan. Soon, Ant Financial will also launch a consumer credit product "Borrowing Bai". People with a sesame score of more than 600 can apply for a loan of 1 0,000-50,000 yuan, and the loan can be withdrawn directly. You don't need financial proof, you can get a loan with sesame credit score! Users with sesame scores above 700 have the opportunity to apply for a "good loan" of 2000- 1 10,000 yuan. The loan term is divided into 3 months, 6 months and 65,438+02 months, and the loan can be repaid at any time, with monthly interest. The repayment method is equal principal and interest. Sesame credit users can enjoy a consumption quota of up to 30,000 yuan in "Flower Garden" and get a personal consumption loan of up to 50,000 yuan through "borrowing". The amount applied through "borrowing" can be withdrawn to the balance of Alipay, which is equivalent to obtaining a loan from the bank. The current application threshold for "borrowing" is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from 1000-50000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. Now, users can find two services in "Credit Life-Finance" by clicking into Sesame Credit in the "Wealth" column of Alipay wallet. Compared with the traditional personal loan, Lending Bao does not need users to submit complicated personal materials and financial certificates, but only needs to rely on sesame credit score to judge and check the user's credit rating, and the loan can be completed in 3 seconds. Users enjoy a more convenient and simple experience.
3. Can I get a loan with Alipay's sesame credit score?
No problem.
4. Can I get a loan with Alipay's sesame credit score?
In fact, sesame credit loan is very simple. Alipay clicks on Sesame Credit, clicks on Credit Life below, and you will see the button of cash loan. Then you can use sesame credit as a loan, such as recruiting sesame credit. After successful registration, you can apply for a loan, fill in your personal information, wait for approval, and then you can make a loan. 1. Sesame credit loan requires sesame credit score, and the sesame credit score must be above 600. Users can apply for a loan of 1, 000-5,000 yuan, and the repayment time is very ample. The longest answer is 12 months, and the lowest loan interest rate is 0.02. Second, the acquisition and promotion of sesame credit score 1, fill in, let Alipay platform know your repayment ability, so that the credit score and limit will also be improved. 3. Another is your shopping volume. Through your online shopping bill, Alipay platform can know your monthly consumption, which can also ensure your monthly consumption, which is also the reference direction of credit value. 4. In fact, donations are also helpful to sesame credit score. 5. There is also the deposit in Yu 'ebao, which belongs to the entity fund and can also increase the sesame credit score.