China UnionPay Express itself provides some loan products, and users can apply for products through China UnionPay Express. In addition to the loan products of China UnionPay Express, other financial institutions can also provide loan services through China UnionPay Express. When the user applies for a loan, the system will give the corresponding amount through the evaluation of the submitted materials. China UnionPay Express has been opened, and the payment code has been generated. When spending, just show the payment code and pay with the credit line. When using China UnionPay Express, you can only scan the code to pay, but you can't withdraw cash.