Which bank lends online merchant loans

Online merchant loans are launched by online merchant banks and jointly provided by multiple financial institutions.

Online Merchant Loan is a loan product recommended by Postal Savings Bank and other banks to high-quality merchants through the Alipay platform. It is an operating loan product launched by MYbank.

Online merchant loan is a credit loan product launched by MYbank. Users do not need to provide any mortgage or guarantee when applying for online merchant loan. It is a pure credit loan, as long as the user’s credit and qualifications meet the requirements. You can apply for a loan if you meet the conditions.

Online Business Loan is an operating loan product launched by Online Merchant Bank. The financial institutions it cooperates with include: Bank of Guilin, Bank of Guangzhou, Huaneng Trust, Huarong Xiangjiang Bank, China Guangfa Bank, Bank of Beijing, Bank of Quanzhou, Shanghai Pudong Development Bank, Bank of Shanghai, Huaxia Bank, Zhongyuan Bank, Chongqing Fumin Bank, Bank of Suzhou, Bank of Guiyang, Jincheng Bank, Jining Bank, Sanxiang Bank, Guangdong Huaxing Bank, Bank of Chongqing, Bank of Tianjin.

Online business loan is a pure credit personal business loan in the Alibaba system (that is, it requires Taobao store owners). It is unsecured, free of guarantees, and the interest rate is much lower than similar products in the market. It can be solved quickly. Financial difficulties, steady development of the market. In fact, the definition of online business loan is the same as that of previous borrowing, which is an Alipay financial loan product.

The difference between online merchant loans and Jiebei in Alipay is mainly in the following three aspects:

1. Different service objects:

Online merchant loans are business The target user groups of online loans are mainly small and micro enterprises and individual entrepreneurs, and the borrowers of online business loans are usually the owners of major online stores, that is, Taobao and Tmall merchant users. Jiebei is a consumer loan product, targeting individual Alipay users.

However, only qualified users are eligible to apply for online business loans and borrowings. Whether online business loans and borrowings can be opened is subject to comprehensive evaluation and review by the system, and is subject to the display on your page.

2. Application conditions are different:

To apply for an online business loan, the borrower needs to be a small and micro business owner or individual entrepreneur. According to feedback from users who have applied, the requirement is age. For corporate legal persons or individual business owners between the ages of 18 and 65, the specific application conditions are shown on the online business loan page.

The application conditions for borrowing money are relatively simple. The Alipay account has completed real-name authentication. I am a mainland user who is 18 years of age or older. The account status is normal and is bound to a mainland mobile phone number and my bank savings card. I'll borrow it if I have a chance. The system will determine whether an Alipay user can apply for and activate a loan based on their overall personal situation.

3. The maximum loan limit is different:

The Alipay page shows that the maximum loan limit of online merchant loans is currently 1 million yuan, while the maximum credit limit currently supported by Jiebei is not clear. Yes, but as a consumer loan product, the maximum loan limit will definitely be much lower than that of online merchant loans.

Of course, whether it is an online merchant loan or a loan, your specific limit will be determined by the system based on your comprehensive situation assessment, and will be subject to the page after you apply, and your limit will also be determined by the system. It is not fixed, the system may be adjusted from time to time, and manual intervention is not possible.

Online merchant loans and borrowed loans serve different groups of people. You can choose the product that suits you according to your actual situation. In addition to online merchant loans and borrowed loans, there are also many other formal and reliable loans on the market. Products, such as Duxiaoman Financial’s Youqianhua, WeBank’s Weilidai and Weiyedai, etc. Is Alipay's online merchant loan a bank or an online loan?

Online merchant loan is an operating loan launched by Online Merchant Bank for small and micro enterprises and individual entrepreneurs. It is issued based on the operator's business and credit situation. A mortgage-free, guarantee-free pure credit loan with fast disbursement and flexible borrowing and repayment.

You can see your online merchant loan limit in Alipay-My-Online Merchant Loan. If the page requires authorization, first click to agree to the agreement and check the amount, then click to borrow money. You can also apply for an online merchant loan through MYbank.

If you do not see the online merchant loan entrance in Alipay-My, or if you click it and it is prompted that the activation is not currently supported, it means that your account cannot currently open online merchant loans, and it is recommended that you follow up. Whether online merchant loans can be opened will be comprehensively evaluated by the system from time to time, and manual intervention is not possible.

If you are unable to open an online merchant loan, you can consider big-brand credit products such as Alipay Jiebai, Tencent Weilidai, Duxiaoman Financial Youqianhua, etc.

Youqianhua is a credit brand under Du Xiaoman Financial, which provides users with safe, convenient, unsecured, and unsecured credit services. To borrow money, go to the Du Xiaoman Financial APP.

Duxiaoman Financial will effectively implement the country’s call to support small and micro enterprises to overcome difficulties. Its credit service brand has money to fully support the production and operation of small and micro businesses. Duxiaoman Financial is the owner of most small and micro businesses. The first choice when it comes to cash flow. It is reported that 70% of Duxiaoman Financial’s credit users are small and micro business owners. Up to now, Duxiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners.

This answer is provided by Kangbo Finance. Kangbo Finance focuses on interpretation of hot financial events and popularization of financial knowledge. It adheres to professionalism and pursues fun, and produces financial content that people can understand, using vivid and diverse methods. Deliver financial value. Hope this answer is helpful to you. What kind of loan is online merchant loan?

Online loan. Online merchant loan is a personal business loan launched by Online Merchant Bank for small and micro enterprises and individual entrepreneurs. MYbank is an Internet bank established by Ant Financial as the major shareholder.

The repayment period of Alipay online merchant loans is calculated from the day of the loan. The repayment date of each month is also the date of the loan. The user must put enough money in Alipay that can be repaid that month on the repayment date. limit to prevent insufficient balance from affecting repayment and causing a bad credit record. The loan interest rate of MYbank varies from person to person. Generally, the daily interest rate is 0.03-0.05%. The specific interest rate depends on your personal credit.

It should be noted that not everyone can apply for online merchant loans. Loan services are only provided to store owners on Alibaba’s major online shopping platforms, and credit conditions are very important.

The process of opening an online merchant loan:

1. It is best to have an online store

2. Ant has good credit;

3. Download the MYbank APP and log in with your Alipay account to fill in the information; operating environment: MYbank APP Apple 12, ios14

Extended information:

Risks of online loans:

1. The virtual nature of online transactions makes it impossible to verify the credit status of both borrowers and lenders, which easily leads to fraud and default disputes over non-payment of debts.

2. Among the large amounts of lender information released by online platforms, many of them issue loans in the names of "loan companies", "financing companies", etc. In fact, only financial institutions approved by the state can engage in financial services such as credit financing. Those who engage in financial activities without authorization are often held legally responsible for "illegal fundraising", "illegal attraction of public deposits" and disrupting financial management order. .

3. If loans are issued through an online platform, if the online platform neglects self-discipline, or the internal control procedures fail, or is exploited by others, it may be possible to fabricate loan information and illegally raise funds. .

4. There is no free lunch in the world. There are many temptations in online small advertisements and fake loan websites, so be careful. Is Alipay's online merchant loan formal?

The online merchant loan in Alipay is a form of online loan approved by the China Banking and Insurance Regulatory Commission. Online merchant loans are different from bank loans. Bank loan interest rates are relatively low, but the requirements for lender qualifications and guarantees are relatively high, making it generally not easy to obtain loans. However, the interest rate of online merchant loans is relatively high, and the qualifications and requirements for lenders are relatively loose, such as good credit, whether to open an online store, etc. Online merchant loans are mainly aimed at people who open online stores on Taobao, and loans are relatively easy.

Alipay Online Business Loan is a formal loan platform.

Online Business Loan is a personal business loan launched by MYbank for small and micro enterprises and individual entrepreneurs. MYbank is an Internet bank established by Ant Financial as the major shareholder. MYbank is one of the first private Internet banks in China.

The above content is for reference only and does not provide any loan advice. Online loans are risky, so be careful when choosing!

Before, I also had business turnover needs, and I have used several small loan products. The first one I applied for was Du Xiaoman Youqianhua (formerly Baidu Finance), with a limit of exactly 100,000 yuan (the highest on the platform). Supports 20W), and the interest rate is also very low (annualized minimum 7.2%), which is still relatively low. All were proposed and divided into 12 issues.