When the sesame credit score reaches 650, Alipay will open the ant borrowing service for users, and users can use the ant borrowing service. Many online lending software take sesame credit score as the loan standard, and users can find such online lending software through search engines.
When the membership level of Alipay users reaches the gold membership level, Alipay will open the reserve fund service for users. Whether the user can open the reserve fund service depends not only on whether the user is a gold member, but also on the level of the user's sesame score. Only when the user's sesame score reaches 650 points can the reserve fund service be opened.
If the sesame credit of Alipay users is good, Alipay users can download the online merchant bank APP and open online merchant loans in the online merchant bank APP. The loan amount of online merchant loans is relatively large, but online merchant loans are not for consumer loans, but for small and micro enterprises and Taobao shopkeepers.
Many loan softwares do not require users to score 650 points, but the loan risk of such softwares is relatively high. Sesame points are between 600 and 650, and the credit is good; Sesame score is between 650 and 700, which belongs to excellent credit.
Peer-to-peer lending is risky. The daily interest rate for ants is 0.05%. Alipay is the largest payment software in China, so it is safe to borrow money from Alipay.
How to use sesame credit for sub-loan?
I believe everyone is no stranger to the sesame credit score in Alipay. Sesame Credit is a third-party credit reporting agency under Ant Financial. The higher the user's sesame score, the better the credit. The biggest function of sesame seed points is to apply for loans. So, how to use sesame seeds to divide loans?
One: Excuse me.
Sesame credit and ant micro-loan cooperation "borrow", and the application threshold is sesame score of 600 or more. According to different scores, the loan amount that users can apply for ranges from 1000-50000 yuan. The longest repayment period is 12 months, and the expected annualized interest rate on the loan date depends entirely on the sesame credit score for credit review, and the loan can be released within 3 seconds after the review.
Two: It's good to borrow money.
Guangfa Direct Bank has a joint venture between Mijinrong and Alipay to borrow money. Sesame score above 700, you can apply for a loan with a maximum amount of 200,000. More than 700 points: the daily expected annualized interest rate range is minutes: the daily expected annualized interest rate range is the expected annualized interest rate that will be comprehensively evaluated according to your credit situation.
Three: Amoy Qian Bao
There are many small loan products that can also be loaned through Sesame, and these products often settle in some comprehensive lending platforms, such as Amoy Qian Bao. Users can apply for credit loans by submitting simple information and authorizing sesame credit points. Of course, the higher the sesame score, the higher the credit line.
Fourth: Good loans.
Sesame Credit Score cooperates with the "Good Loan" under Zhaolian Finance, and sesame score reaches 700 before applying. The expected annualized interest rate of "Zhaolian Good Term Loan" is up to 200,000, which can be recycled within 3 years, and the longest loan term is 60 months. No mortgage, no guarantee, only personal credit can get a loan. Fast loan, as fast as 1 minute, and loan repayment at any time.
Five: Go on stage
Alipay provides a credit line of up to 200,000 yuan for children's shoes with sesame scores of 600 and above. The service covers 99% of colleges and universities in China and can enjoy 30 days of interest-free.
Finally, I would like to remind you that although it is convenient and fast to use sesame loans, the expected annualized interest rate is not low. You must remember to overdraw within your own ability to avoid exceeding your repayment ability and adversely affecting your personal credit.
How to borrow sesame credit
Step 1: Use mobile phone Alipay and log in, and click more as shown in the following figure:
Step 2: You can see micro loans in more cases, and click Enter.
Step 3: See that under my loan, there are projects that meet the conditions of account loan, as shown in the following figure. This account can be loaned with ordinary funds (12 months), and others do not meet the application conditions. Click on the average capital loan (1February) to enter.
Step 4: Average capital loan (12 months) You can see the daily interest rate, repayment period and repayment rules in the detailed introduction. Among them, the repayment rules should be carefully examined, which is related to your interests. If you understand them, click to apply for a loan.
Step 5: Lender information uses Alipay authentication information. If you are prompted to improve, click Improve.
Step 6: Enter the amount and information verification code of your application, and finally click Submit Application. You can usually get a loan if you can apply.
Extended data:
Increase the amount of sesame credit loan
1. Because Sesame Credit belongs to credit and the like, you can use a credit card to repay with Alipay, and it is also important to bind Sesame to a credit card, so if you have a credit card, you must remember to bind it.
2. Alibaba's e-commerce department, Tmall Taobao and other shopping items, shopping categories, return records, and even Ali Wangwang's chat records are all important scoring criteria for Sesame Credit.
Buying things with sesame credit line is also a very important way to increase sesame credit line.
4. At home, it is also the best to pay the gas and water bills with Alipay, because it can also improve your sesame credit.
5. If you have many Alipay friends, your sesame credit can also be added. It is suggested to add all the numbers in our mobile phones as Alipay friends.
6. When using Yu 'ebao and Lucky Treasure, the greater the investment, the more businesses used, the more frequent the frequency and the higher the score.
7. Finally, keep a good personal credit record.