Alipay online merchant bank loan is a way for some people to solve their own financial problems, and many people who like to use Alipay favor this kind of loan. Alipay online merchant bank loan seems to be less well known than borrowing money, but it is actually a loan platform. So, is it easy for Alipay online merchants to borrow money from banks? What are the conditions for application? In fact, as long as users meet the requirements of Alipay, no matter what your income is, you can get micro-credit loans, which is very good. Alipay online merchants need to meet the following conditions when applying for bank loans: 1. Hard conditions: sesame score must be above 600 to have the opportunity to borrow ants. Note that this refers to opportunity, not certainty. 2. Soft conditions: users who often use Alibaba products, including those who buy financial products of Ant Financial, such as Yu 'ebao of Ant Wealth, Zhaocaibao, and Alipay's entertainment treasure, are hard to qualify.