When users apply for Easy Loan for the first time, they need to sign an Easy Loan Agreement. Users can sign it through ICBC's online banking, mobile banking and self-service terminals, or they can sign it directly at ICBC's counter. Users can also sign it while spending. If they are unclear, they can also call ICBC's customer service hotline to consult the official customer service.

When users with ICBC bank cards or credit cards swipe their cards at ICBC merchants, as long as the consumer meets the relevant conditions of ICBC, the ICBC system will automatically send the user a prompt message to handle the "easy loan". If there is an intention to handle the easy loan business, the user can reply to confirm it through the mobile phone or online banking, and after handling it, the user can get the loan funds.

Easy Loan is a credit loan service product launched by Industrial and Commercial Bank of China. The bank products are all recorded in the meeting. Users need to keep a good repayment record after borrowing, and never do anything overdue, so as not to leave a stain on their personal credit information. After handling the loan, the borrower can repay the loan through business outlets, self-service terminals, online banking, telephone banking, mobile banking and other channels.

What is ICBC Easy Loan

ICBC Easy Loan is a credit consumption loan product that China Industrial and Commercial Bank of China is launching for cardholders of ICBC's debit and credit cards. Users can make direct credit card consumption and installment payment at the merchants designated by ICBC. Merchant types cover a wide range.

The conditions of Easy Loan are as follows: 1. The user is a legal citizen of China at the age of 18-7 when needed, and is a natural person with full capacity for civil conduct; 2. The user is the cardholder of ICBC debit card (or passbook) or credit card; 3. The applicant is a high-quality customer of Industrial and Commercial Bank of China, with a good personal credit record. It would be better if the applicant is a payroll user of China Industrial and Commercial Bank.

According to the official introduction of Industrial and Commercial Bank of China, a user can apply for a loan after spending a single sum of money in 6 yuan. The maximum loan amount is 6, yuan. The specific amount is comprehensively evaluated according to the user's personal credit status, and the loan amount applied for shall not exceed the credit line. The loan period provided by Easy Loan to users is 6, 12, 24 and 36 months, and users can choose the loan cycle that suits them according to their own situation.