Online merchant loans in Alipay are available and relatively formal. When users use Alipay online business loans to borrow money, they can withdraw cash to their Alipay account or associated bank card. After borrowing, the user can use the asset online or withdraw money through the bank card and use cash. However, it should be noted that before the loan is withdrawn to the bank, the arrival time varies depending on the bank. Generally, it will arrive on the same day. However, users must pay attention to repaying the loan on time and not overdue the loan. If the automatic deduction time is missed, the user can perform manual deduction. The above is the relevant content of whether Alipay online merchant loans can be used? How to negotiate deferred repayment for online merchant loans

1. Understand the personal debt amount, late payment fees caused by overdue loans, etc.;

2. Actively call Go to the online merchant loan customer service hotline and inform the customer service that you have the intention to repay, explain why you are temporarily unable to repay the loan, describe your financial ability, and negotiate whether the interest can be exempted or exempted;

3. Make the repayment and confirm After deciding on the repayment plan, the entire loan amount will be repaid in one lump sum or in installments as required.

You need to pay attention to the postponement of repayment of online business loans. Users must take the initiative to explain the situation to show their personal intention to repay. And it is necessary to explain the personal income and working capital status, so that the service platform can believe in the user's repayment ability, and after clarifying the repayment plan, repay as promised. Does Alipay's online merchant loan have a credit reference?

Alipay's online merchant loan does not have a credit reference. When applying for an online business loan, it is necessary to confirm the "Personal Credit Report Inquiry Authorization Certificate", so it must also be listed in the credit report. No matter how you borrow money from online merchants, as long as the loan is not overdue, it will not affect the user's personal credit report. Users only need to be proactive and repay their loans on time, which will help improve their personal credit. It will be much more convenient to apply for loans and open cards later. Generally speaking, online business loans require a credit report. Therefore, the applicant needs to repay the loan on time. If the loan is overdue, it will affect the individual's personal credit score. Therefore, users must be cautious when applying for online business loans and do not apply casually. Whether it will affect housing loans will be fully considered based on the user's personal credit details, overdue status, debt status, inquiry records and income stability. This article mainly writes about whether Alipay online merchant loans can be used? Related knowledge points, the content is for reference only.