How to use Sesame Credit Score for loans?
I believe everyone is familiar with Sesame Credit Score in Alipay. Sesame Credit is a third-party credit agency under Ant Financial. The higher the user's Sesame score, the better the credit rating. The biggest function of Zhima Fen is to apply for loans. So, how to use Zhima Fen loan?
1: Jiebei
Zhima Credit and Ant Micro-credit cooperate on "Jiebei", and the application threshold is that Zhima points are above 600. Depending on the score, the loan amount that users can apply for ranges from 1,000 to 50,000 yuan. The maximum repayment period is 12 months. The expected annualized interest rate on the loan date is completely based on Zhima Credit Score for credit review. After passing the review, you can get the loan within 3 seconds.
Two: Easy to borrow money
Guangfa Direct Bank Youmi Finance and Alipay have jointly made it easy to borrow money. With a Zhima score of more than 700, you can apply for a loan of up to 200,000 yuan. Above 700 points: The daily expected annualized interest rate range is: The daily expected annualized interest rate range is. Ultimately, your expected annualized interest rate will be comprehensively evaluated based on your credit situation.
Three: Taoqianbao
There are many microfinance products that can also be borrowed through Sesame Fen. These products are often listed on some comprehensive loan platforms, such as Taoqianbao. Qian Bao. Users can apply for a credit loan by submitting simple information and authorizing Zhima Credit Points. Of course, the higher the sesame score, the higher the credit limit obtained.
Four: Haoqidai
Zhima Credit Score cooperates with "Haoqidai" under China Merchants United Finance, and you can only apply if you have a Zhima Credit Score of 700. The expected annualized interest rate of "China Merchants Union·Haoqi Loan" is the maximum amount of 200,000, and the amount can be recycled within 3 years, and the maximum borrowing period is 60 months. No mortgage or guarantee is required, and the loan is obtained purely based on personal credit. Extremely fast lending, borrowing and repaying money at any time, as fast as 1 minute.
Five: Laifenfen
Alipay and Laifenfen provide children’s shoes with a Zhima score of 600 and above, providing a credit limit of up to 200,000 yuan without an interview. This service covers the whole country 99% of colleges and universities can also enjoy 30 days of interest-free payment.
Finally, I would like to remind everyone: Although it is convenient and fast to use Sesame Fen loan, its expected annualized interest rate is relatively not low, so remember to overdraft within your ability to avoid exceeding your repayment ability. Have a negative impact on personal credit.
What are the platforms that can be downloaded under the authorization of Zhima Fen? Here are 5 of them!
Nowadays, Zhima Fen brings us more and more applications. Many online loan platforms only look at Zhima Fen and not the borrower’s People’s Bank of China credit report and work income. Today I will introduce to you several platforms authorized by Zhima Fenneng. I believe they can bring you a different loan experience.
China Merchants Union Haoqi Loan
China Merchants Union Haoqi Loan is a platform that authorizes Zhima points to be purchased. It is not difficult to apply for a good Zhima score. Zhaolian Haoqi Loan can We provide you with loans of up to 200,000 yuan, with a daily interest rate of 0.03%.
China Post Loan
China Post Loan is also a platform authorized by Zhima Credit. It is not difficult to apply for Zhima Credit. It can be found on Alipay. The maximum loan limit is also 200,000 yuan. , repayment in installments, interest calculated on a daily basis, with background from Postal Savings Bank of China.
Finance Immediately
Friends whose Sesame score is above 550 can also try Finance Immediately, and there is a possibility of successful application. MaMa Finance is a formal loan platform with a consumer finance license. The loan limit can reach 200,000 yuan, and it also supports installment purchases.
Baoyin Consumer Finance
Baoyin Consumer Finance is a Sesame Loan platform with a relatively large loan amount. The maximum credit limit can reach 200,000 yuan, and the repayment can be divided into up to 12 installments. Baoyin Consumer Finance requires borrowers to have a relatively good sesame score and a good credit report.
Alipay reserve fund
For those who have Zhima points, you have the opportunity to open an Alipay reserve fund. You can check whether your Alipay reserve fund has credit. The credit limit for Alipay reserve funds is 50-500 yuan.
How to get a loan from Zhimafen?
Step 1: Use mobile Alipay and log in, click More as shown below:
Step 2: Under More, you can see small and micro loans, click Enter.
Step 3: See that under My Loans there are projects that are eligible for account loans. As shown in the picture below, this account can lend an equal amount of principal (12 months). Others do not meet the application conditions. Click Loan Equivalent Principal (12 Months) to enter.
Step 4: Enter the detailed introduction of the loan with equal principal amount (12 months) and you can see the daily interest rate, repayment period, and repayment rules. You should carefully read the repayment rules, which are related to your interests. If you understand them clearly, click to apply for a loan.
Step 5: The lender information uses the information during Alipay authentication. If it prompts that it needs to be improved, just click to enter and complete it.
Step 6: Enter the amount you applied for and the information verification code, and finally click Submit Application. If you can apply, you can usually get a loan.
Extended information:
Increase the loan limit of Sesame Credit
1. Because Sesame Credit is a type of credit, you can use credit cards to repay using Alipay. payment, and binding a credit card is also very important for Zhima points score, so if you have a credit card, be sure to remember to bind it.
2. Alibaba’s e-commerce department, Tmall, Taobao, Juhuasuan and other shopping accumulative quotas, shopping categories, return and exchange records, and even Alibaba Wangwang’s chat records are all important scoring criteria for Sesame Credit.
3. Using Sesame Credit Line to purchase things is also a very important way to increase your Sesame Credit Line.
4. When paying gas bills, water and electricity bills at home, it is also best to use Alipay, because this can also greatly improve your Zhima credit.
5. If you have a lot of Alipay friends, it can also add points to your Sesame Credit score. It is recommended to add all the numbers in our mobile phones as Alipay friends.
6. When using Yu'e Bao and Zhaocai Bao, the greater the amount invested, the more businesses are used, the more frequent the business, and the higher the score.
7. The last thing is to maintain a good personal credit record.