It is recommended to choose formal banking channels to apply for a loan. Here we recommend our bank’s online loan.

NetJie Loan refers to a small-amount consumer loan that is issued by Agricultural Bank of China in cash to individual Agricultural Bank of China customers who meet specific conditions. Customers apply for it by themselves, receive it quickly, automatically approve it, and use their credit themselves.

“Wangjie Loan” implements the process of self-service application, automatic review and approval, online signing of credit contracts, and self-service credit use. The application process is as follows:

(1) The borrower logs into the online channel designated by our bank (personal online banking, mobile banking) and enters the "NetJie Loan" application interface.

(2) The borrower understands the "Wangjiedai" product situation, basic loan conditions and processing procedures.

(3) Fill in the basic information, including the loan period to be applied for, borrowing and repayment accounts, mailing address, etc.

(4) The system verifies the validity of the mobile phone number.

(5) Sign the "Personal Credit Investigation Business Authorization Letter" online.

(6) Confirm the loan information, proposed loan amount, loan purpose, etc.

(7) After reading and signing the "Personal Self-service Small Credit Consumption Loan Contract" online and filling in the application information, the applicant submits the loan application.