Alipay can borrow money in the following ways:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.4

Application version: v 10.2.56

First, open Alipay and click "All" on the home page to open all applications.

Second, click "Borrow" in the financial classification.

Third, choose the "go to borrow money" button.

4. Fill in the loan amount and improve the loan information as required, and click OK to complete the loan process. After waiting for the approval, Alipay will transfer the loan funds to your designated bank card.

"Borrowing" is a credit loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.

2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan". In this regard, Alipay customer service responded that in order to make it easier for you to understand the actual consumer credit service providers, the consumer credit services independently provided by financial institutions cooperating with Ant Financial have been updated to "credit loans", and the credit loan page shows the names of financial institutions. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, the loan of e-commerce giants eliminates the king's escort fee, mainly for the consumption scene stage of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another.

This part of the business is naturally devastating to the similar business of banks. After all, the scale of several major Internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal in installments, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.

2. What is the loan Alipay account number?

The Alipay account number of student loans is generally the Sina email account number provided by the loan bank. The loan bank will allocate a Sina email account in .cdb@sina.cn format to the borrower after handling the successful student loan. This Sina email account is an Alipay account for student loans, which can be used for login.

3. How does Alipay borrow 6,543,800 yuan?

Borrowing is a personal credit product in Alipay. The maximum loan amount supported by this product is 300,000. The loan interest is calculated on a daily basis, and the floating interest rate is implemented.

According to the official introduction, the daily interest rate of borrowing treasure ranges from 0.0/kloc-0.5% to 0.06%. The specific daily loan interest rate is determined by the system based on the comprehensive evaluation of user qualifications, personal credit, consumption habits and other factors. Due to the different personal conditions of borrowers, the loan interest rate will be different.

The following methods will help users get a higher loan amount when borrowing money:

Users can usually use Alipay to spend more, and their good spending power can reflect their economic strength. It is best to buy some Alipay wealth management products. The more personal assets, the stronger the repayment ability of users, and the lower the overdue risk of users. Therefore, frequent use of Alipay helps to obtain a higher loan amount.

Improve sesame credit score

Friends who open a loan account know that the opening and quota of the loan account are directly related to the user's sesame credit score. The higher the personal sesame credit score, the better the user's personal credit status and the greater the overdue risk. Therefore, users with low sesame credit scores are more likely to get lower daily loan interest rates.

Users will supplement Alipay's personal information, spend more money and keep a good repayment record. These methods will help to improve the credit score.

In order to improve the sesame credit score, everyone can use the flower buds to pay more when shopping. After frequent use of flower buds for payment, everyone must remember to return the flower buds on time and successfully repay the flower buds before the final repayment date. If you are not careful, it may have a negative impact on your sesame credit score.

Lending Bao, now known as credit loan, is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.

2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution.

After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of increasing the quota:

1, deposit the balance treasure or lucky treasure (regularly), deposit 15000 yuan, and it can be released after 10, usually at1-10;

2. Download the online merchant bank app on your mobile phone, and then save it in. You can basically borrow 10 thousand online merchant bank consumer loans a month.

20211news, Lending Bao responded that Lending Bao is gradually promoting brand isolation, and many licensed financial institutions, including Ant Consumer Finance Company, will provide users with small consumer credit services.

Future loans will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by financial institutions such as banks will be displayed on the "Credit Loan" page.

In the process of brand isolation, the user's service experience will not be affected, and the core processes such as account opening, audit, interest calculation and loan repayment will not change.