In Alipay loan, it is generally recommended that you apply for Alipay loan, which is a credit product launched by Ant Group. Users with a sesame credit score of 600 or above are eligible to apply. According to the official introduction of Alipay, the maximum loan amount is 300,000 yuan, but the average user's loan amount is generally between 3,000 yuan and 50,000 yuan.

2. What are the loan terms of Alipay?

You can apply for a loan through the mobile phone client. However, because Alipay loan is still a new loan product, many friends don't understand it. So, what are the terms of Alipay loan? Let's take the application for Taobao order loan as an example. Alipay imposes corresponding restrictions on the conditions that sellers applying for Taobao order loans need to meet: 1, registrant 18 years old or above, Taobao sellers with full civil capacity; 2. Taobao stores have been operating effectively for two months, with effective trading volume every month; 3. Honest and trustworthy, with a good store record. The above is Taobao's order loan requirements for sellers in its website. As you can see, Taobao's order loan threshold for sellers is very low, which makes "small and micro loans" occupy the mainstream market in seller loans. According to statistics, the accumulated loans of "small micro loans" have exceeded 654.38+07 billion yuan, serving more than 700,000 small and micro enterprises, creating a miracle. However, Alipay wallets do not issue loans casually, and users' credit should also be considered. Different users can borrow different amounts, so don't use your head. When you need to spend money but encounter the dilemma of insufficient balance, let Alipay wallet take a loan to help you.

3. What conditions does Alipay meet to get a loan?

Alipay loan method:

Step 1: Use Alipay and log in.

Step 2: You can see micro loans in more cases, and click Enter. When you first click, the download will appear. After a while, you will complete the small program of embedding small and micro loans into Alipay.

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.

4. What are the application conditions and materials for Alipay loan?

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1, Alipay can use a debit card for 600. If users meet the requirements, they can upgrade their wallets to the latest version of the "Wealth" column and use the "Debit Card" function.

2. Borrowing is a consumer credit product under Ant Microfinance. Users with a sesame score of not less than 600 will have the opportunity to use personal consumption loans. According to different scores, users can apply for a loan of up to 50,000 yuan, and the amount applied can be transferred to Alipay balance. The longest repayment period of "borrowing" is 12 months, and the loan is repaid with the borrowing.

3. It is convenient and fast to use payment, but its interest rate is relatively low, and it is overdrawn to avoid adverse effects.

Hope to adopt, thank you.