First of all, you must be the seller of Taobao. Sellers can be divided into five types: Taobao Credit Loan, Tmall Credit Loan, Juhua Loan, Taobao Order Loan and Tmall Order Loan. Generally, when we open a small shop in Taobao, it belongs to "Taobao Credit Loan" or "Taobao Order Loan". Digital Jun mainly talks about "Taobao Credit Loan", and the methods and steps are similar.

Application steps

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If you are a seller, click "Seller Center" and click "Taobao Loan". Or after you log in to the seller center, you can also click on the "loan amount" below to successfully enter the Taobao loan page.

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You will see that there are two ways, one is order loan and the other is credit loan. Choose according to your own situation. Digital Jun clicked on "credit loan" here, because my shop has no orders and does not meet the loan conditions.

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You can see all the loan methods and interest details on the left. Each method has its own conditions, and you can apply for a loan only if you meet them.

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If you don't know the way you need a loan, you can click "Quick Recommendation", enter your requirements and query the results.

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Digital Jun does not meet other requirements, so he can only apply for "borrowing and returning", and can only borrow 1 1,000 yuan. Providing information about the operation and reputation of your store can increase this quota.

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When we apply for a loan of 1000 yuan, we need to upgrade our Alipay authentication information by opening Alipay, logging into your Alipay account and clicking "Account Settings"-Upgrade.

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Re-upload the photo of the ID card and fill in the information on the ID card, and then submit it. Alipay will tell you the audit results within 2 days, just wait patiently. After passing, apply according to the previous 5 steps.

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The following figure shows the interest calculation methods of various loan methods. If Digital Jun chooses the repayment method 1000 yuan for 30 days, the required interest is "1000 (loan amount) *0.0006 (interest rate) *30 (days) = 18 yuan (interest payable)".

How to repay

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Click "Loan Management" to view your loan records, repayment records and other related information in real time.

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If you have money and want to prepay, click "Prepayment", enter the repayment principal and confirm. Prepayment can be exempted from handling fees.