Different platforms: online merchant loan is a loan product launched by online merchant bank, and loan treasure is a loan product launched by Ant Financial. Although the major shareholder of online merchant bank is Ant Financial, they are still very different in product application.

The application conditions are different: the application conditions for borrowing money can be applied as long as the user's sesame credit score is above 600, and the account is particularly fast; Online merchants must be between the age of 18 and 65 when applying for loans, and provide relevant information.

The loan targets are different: most borrowers are Alipay users. The loan scope of online business loans is relatively small, mainly to provide services for Alibaba users, and the borrowers are basically shopkeepers.

The amount is different: ants borrow a maximum of 300,000 yuan, while ordinary people can only borrow several thousand yuan; The maximum amount of online merchant loan is 500,000 yuan for the express version and 2 million yuan for the standard version, which is not a grade.

Introduction of online business loan: online business loan is a financial service aimed at pure credit personal business loans in Ali system. It is unsecured and free of guarantee, and its interest rate is much lower than that of similar products in the market. It can quickly solve the capital problem and steadily develop the market function.

Introduction to Ant Borrowing: Borrowing is a loan service launched by Alipay. At present, the application threshold is sesame score of 600 or above. According to different scores, the loan amount that users can apply for ranges from1000-300,000 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.

What's the difference between ant borrowing and online lending?

The difference between ant borrowing and online lending;

Different platforms: online merchant loan is a product launched by online merchant bank, and loan treasure is a product launched by Ant Financial. The shareholder of the online merchant bank is Ant Financial, but the products are very different and the customers are different.

The application conditions are different: the online business loan requires the lender to be between 18 and 65 years old, be the person in charge of an enterprise legal person or individual industrial and commercial household, and have Alibaba members. The number of loans only needs a good personal credit record, and it is highly active in Alipay. If you have repayment ability, you will have the opportunity to open it. In contrast, lending is more grounded than online business loans.

The loan targets are different: the loan scope of online merchants is relatively small, mainly Alibaba users, and online shop owners are basically people who can borrow money, but there are many types of loan targets, and basically all Alipay users can apply. The target group is different, which is the difference between the two.

The loan amount is different: there are two ways for online merchants to borrow money, the express version and the standard version. The express version can borrow up to 500,000 yuan. The standard version can borrow up to 2 million yuan. The loan amount is much smaller, up to 300 thousand, which is a far cry from it.

Extended data:

Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem and providing inclusive finance services for small and micro enterprises and individual consumers.

Online business loan is a credit loan service for shop operators such as Taobao and Tmall who conduct business activities based on the Internet platform. According to their store operation and reputation, after comprehensive evaluation, the following fixed rates apply.

What's the difference between a loan and an online merchant loan?

The difference between borrowing and online business loans: First, borrowing is suitable for individuals and meets personal consumption; Online business loans are aimed at businesses to meet the needs of personal operating funds; Secondly, the maximum loan amount is 300,000; The maximum loan amount of online merchants is 6.5438+0 million; Finally, the daily interest rate is between 0.0 15%-0.06%; The daily profit of online merchants' loans can be as low as 0.047%, and users with good credit can be as low as 0.0 16%.

Loans and online business loans need to meet certain conditions when loans are opened, such as sesame credit score of 600 or above and good personal credit. When it was opened, different users got different quotas, but with the use of users, the loan quota gradually increased, and more money could be borrowed later.

Users can choose different repayment periods when borrowing money through Lending Bao and online merchants. The longest loan term is 12. Users should consider their own income when choosing, so as to ensure that they can repay on time after borrowing, and there will be no overdue repayment, because there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be generated.

Loans and online merchant loans must be repaid on time, because penalty interest will be charged after the deadline, and overdue records will be uploaded to the credit information center, which will eventually lead to poor personal credit information. If the overdue time is long, then the loan and online merchant loan will be closed. It should be noted that borrowing and online business loans cannot be used at the same time, and only one of them can be borrowed.

What is online business loan?

Online commercial loans are commercial loans provided by online banks. The original commercial loans of "Ant Borrowing" have been moved to online commercial loans, which are mainly used for small and micro enterprises and individual entrepreneurial loans.

What is the difference between online business loans and loans?

1, different platforms: online merchant loan is a loan product launched by online merchant bank, loan treasure is a loan product launched by Ant Financial, and the lenders are Chongqing Small Loan Company and Shanghai Pudong Development Bank.

2. Different users: Online merchant loans mainly serve small and micro enterprises and entrepreneurs, and serve ordinary consumers.

3. Different loan amount: There are two loan methods for online merchant loans, one is the express version and the other is the standard version. The maximum loan amount for express edition is 500,000 yuan, and the maximum loan amount for standard edition is 2 million yuan. The maximum loan amount is only 300,000 yuan.

4. Different application conditions: the online merchant loan requires the borrower to be an enterprise legal person or the person in charge of individual industrial and commercial households aged 18-65, and must be a member of Alibaba. Borrowing requires the borrower to have good credit information and certain repayment ability.

5. Different interest rates: the daily interest rate of online business loans is between 0.0 15%-0.05%. As for the specific daily interest rate, it will be decided according to the applicant's personal qualifications.

The loan interest is calculated on a daily basis. At present, the daily loan interest rate of this platform is 0.0 15%-0.06%. If you apply for a loan of 1 ten thousand yuan on the platform, the daily interest rate is between 1.5 yuan and 6 yuan.

What's the difference between Alipay online business loans and loans?

The difference between online business loans and loans: 1, online business loans are mainly for business owners and loans are mainly for individuals; 2. Online merchant loans are divided into express version and standard version, and the maximum loanable amount is 500,000 and 2,000,000 respectively; Borrow up to300,000; 3. The conditions required when applying for a loan are different; 4. In terms of repayment period, the longest loan for online merchants is 2 years, and the longest loan is 1 year.

Online business loans and loans will not be too high when they are first opened, but users can increase their credit lines if they use them as required, and they can borrow more money in the future. However, after daily borrowing, you must repay on time, and there can be no overdue repayment.

There will be penalty interest after the online business loans and borrowings are overdue. The longer the time, the more penalty interest, and the platform will collect it after overdue repayment. The common collection method is to call the borrower. It should be noted that overdue repayment will be uploaded to the credit information center, resulting in poor personal credit information and subsequent loans will be rejected.

Online merchant loans and lending treasures can be repaid automatically or manually. Usually, before the repayment date of 12, sufficient amount will be recharged to Alipay balance, Yu 'ebao and bound bank card, and then the system will automatically deduct the money. If the deduction time is missed, the user can repay the money manually.

Version information: Take Alipay 10.2.59.6000 version, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.