The term of personal credit loans is generally 1 year (inclusive) (although the minimum term of personal credit loans in some banks is 6 months), and the longest term cannot exceed 4 years. Personal credit loans generally do not apply for extension. If the loan cannot be repaid on schedule due to force majeure or accidents, with the consent of the bank, the loan term within 1 year (inclusive) may be extended once, and the longest extension period shall not exceed the original loan term, and the longest accumulated loan term shall not exceed 1 year (inclusive).

Credit loan application conditions:

1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;

2. Have a good job with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. There is no bad record on the national credit record;

5. Other conditions stipulated by the bank.