1. has legal and valid identification.

2. At least 18 years old, and the age plus loan period shall not exceed 70 years old.

3. Have the ability to repay the loan principal and interest on time.

4. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.

5. Good credit, no overdue loans and credit cards in the name of the customer and his spouse at present, and the credit record meets the product access requirements.

To apply for a small loan of less than 50,000 yuan, you can log in to our mobile banking first, click My-All-Loan-I want to borrow money to try to apply through this interface, or apply for a loan through a credit card; Log in to Pocket Life, click Card Finance-Reserve Fund-Apply Now below, and try to apply for reserve fund here, depending on the audit results.