Alipay will open the loan service according to the user's credit rating. If you only have flowers or ant credit, you can only find channels on other platforms, and Alipay is not allowed.

2. Can I get a loan only if I spend my Alipay on flowers?

Alipay has flower buds and loan buds. Everyone downloads the same software on every mobile phone. You can only open the flower bud and not open the loan bud agreement. Use loan buds when borrowing money. When you pay the bill, the seller also opened the flower bud payment, which can only be used if both the buyer and the seller have opened it, and the borrowed flower bud cannot be directly used for payment purposes. Consumption must be paid by borrowing money from Alipay account.

Third, Alipay ants borrow money. Why do I only have Taobao credit loans and others borrow personal consumption loans? Remember, this is not a flower. Ask the great god for help, okay?

It depends on your score of 650 or above. If you are a seller and sell a product in the same month, you have a loan line. When your credit score exceeds 7 10, sometimes there are activities, you don't have to sell products, but you will borrow them!

Fourth, the credit is not enough. Can Alipay spend money?

A: the credit is not enough. Alipay is not used to borrowing money. Although the flower garden is a way to borrow money from Alipay, when the money is not paid, you can borrow money from Alipay without interest as long as you pay it back before the repayment date next month, which realizes the consumption in advance and is very popular among young people. However, as a lending platform, Alipay should also consider the safety of funds, so there is a credit evaluation.