The annual interest rate of 9% is already very low, which is equivalent to your monthly interest of only 0.75%. This interest rate is already very low for online lending platforms. In addition to banks, many loans in the market have interest rates exceeding one point. Therefore, the annualized interest rate of Alipay online loan is already low. This level of interest is also determined by personal qualifications. The better the personal qualification, the lower the interest rate.