To borrow money, JD.COM needs to bind a bank card in JD.COM account, spend more than six in JD.COM Mall, and be a bronze member; Natural persons aged between 18 and 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Other conditions stipulated by the bank. JD。 COM's personal loan includes two products, JD.COM White Bar and JD.COM Gold Bar. JD.COM White Bar is a consumer experience function, with a maximum amount of10.5 million yuan, but it can only be used when shopping in JD.COM Mall.

Specific operation: 1. Log in to Jingdong Financial APP with JD.COM account? Click "White Strip". 2. If the available amount of gold bars is displayed, it means that you are on the pre-credit list and can apply for a loan. The first loan needs to be activated first. 3. After activating the gold bar? Click on the available amount of gold bars? Enter the following interface and click "I want a loan" to start applying for a loan. 4. Fill in the information you need, such as the loan amount, the number of loan periods and the collection bank card.