According to the data of First Life. Com, to apply for a lightning loan from China Merchants Bank, you need to meet the following conditions: 18 to 60 years old, with China nationality. Applicants should have a job with stable income and provide proof of monthly income. The applicant has previously handled deposits, financial management, signed contracts and paid wages in China Merchants Bank. The applicant has no bad credit record before. The applicant's liabilities in the same period cannot exceed 3 times of monthly income.