Jingdong Finance owns loan products such as white bars and gold bars, so users have an account of Jingdong Finance and have the opportunity to borrow money. Of course, different loan products have different application conditions, and the user symbol does not meet the application conditions. The system will evaluate and judge the loan amount to the user, and you can't open or apply for the entrance without lending the user money.

1. After downloading JD.COM Mall, you can find JD.COM White Bar after verifying the real name of JD.COM Mall and associating it with the bank card, and then apply for opening. After opening, you can get the corresponding credit line, and you can use JD.COM White Bar to operate the loan;

2. Users who have opened JD.COM White Bar can also borrow money from JD.COM Gold Bar. Open the JD.COM app and go to the home page. Click on "My Wallet" to see "Gold Bar Loan". Click on the loan page to activate JD.COM Gold Bar, and you can use the loan function of JD.COM Gold Bar.