There is no limit on the amount of ICBC's e-loan, which may be that the user does not meet the opening conditions. At this time, you can use certain skills, such as handling ICBC's credit card use, buying ICBC's wealth management products, and saving more money in ICBC. After a period of use, subsequent users can open ICBC's e-loan with a certain amount.

ICBC can apply for e-loan through online banking, mobile banking, business outlets, ICBC e-Life App and other different channels. Users can choose the one that suits them. When handling loans, different users get different quotas and different loan interest rates.

ICBC can also choose different repayment methods when handling e-loans, such as supporting average capital, matching principal and interest, and some customers supporting paying interest on schedule. Users should fully consider their own income when choosing repayment methods, and only when their personal income is relatively high can they apply for loans.

After overdue repayment, ICBC Finance E will be uploaded to the Credit Information Center by the bank. When personal credit information becomes bad, it will affect the handling of various loans, such as credit loans and mortgage loans. Moreover, after overdue repayment, the record will be kept in the credit report for 5 years, and will disappear automatically after 5 years.