To use "Bai Jie", you must first ensure that your sesame credit score is not less than 600 points. If it meets the requirements, you only need to upgrade your Alipay wallet to the version. 1. You can see the function of "borrowing" in the "wealth" column of Alipay wallet. 2. Click to enter and select "I want a loan". 3. Enter the amount to be applied in the "Loan Amount" box, and the system will automatically calculate the total annual interest and monthly repayment amount. 4. Click OK, enter the payment password and SMS verification code, and complete the loan. 5. The loan process and the whole lending process are less than one minute, which is very convenient.