Alipay official loans: loans, reserve funds, online business loans. Unofficial Alipay loan: If you use the unofficial Alipay loan service, you need to pay attention to the corresponding life number and operate it.
Loan: Loan is a personal consumption loan service launched by Alipay, which can meet users' demand for funds. When borrowing money, users can choose to lend money to Alipay account and bound savings bank card for personal consumption, decoration, travel and so on.
Reserve fund: Reserve fund is a small short-term loan product launched by Alipay, which can solve the consumer demand of small emergency. There is no limit to the number of withdrawals of the reserve fund, and the next one can be used after each withdrawal and return.
Online merchant loan: Online merchant loan is an operating loan provided by online merchant banks and their cooperation policies to small and micro enterprises and individual entrepreneurs, which can meet the capital needs of users in the course of operation. When borrowing money, the fund supports lending to Alipay account, binding bank card or online merchant bank account, subject to the page display.
Alipay only provides diversion services for non-Alipay official loans. If there is a problem with the use of the loan, you need to contact the customer service of the relevant loan platform.
Version information: Take Alipay 10.2.59 version, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.
Besides flowers and loans, what other loans are there in Alipay?
Alipay is a mobile phone software used by almost everyone. In life, people not only often use Alipay for payment, but some people also use the loan products in Alipay. For example, the flower buds and borrowing buds in Alipay are consumer credit products that many friends are using. So, besides flowers and borrowing, what other loans are there in Alipay?
The flower buds in Alipay are credit consumption products, and the flower buds quota can only be used for consumption, not cash withdrawal, while borrowing flower buds is a product that provides cash loan services. When it comes to loan products in Alipay, many people first think of flowers and loans. In fact, in addition to flowers and loans, Alipay has the following common loan products:
1, reserve fund
The reserve fund is the change wallet provided by Alipay, with the maximum amount of 500 yuan and the longest service life of 7 days. Whether the reserve fund can be opened shall be subject to the results of system audit. Only when the evaluation results meet the requirements, the system will open the loan entrance of the reserve fund for the user and give the specific amount. The reserve fund can be used for unlimited times, and you can apply for the next loan immediately after paying off the current loan. Whether the loan can be successful depends on your actual page display.
Step 2 borrow+
Borrow+can be said to be an upgraded version of borrow. The application entrance is on the borrowing page, and only some qualified users can see it at present. Borrowing+is mainly to meet the large demand of quality users. It is understood that if the loan+line application is successful, the minimum loan amount is 50,000 yuan and the longest loan period is 24 months, depending on your actual page.
3. Online commercial loans
Online business loan is an operating loan product in Alipay, which mainly provides services for small and micro enterprises and entrepreneurs with capital needs. Only users who meet the application conditions are eligible to apply for online business loans. At present, the maximum loan amount of online merchant loan is 6,543,800 yuan, and the specific amount is subject to the amount displayed on the page after you open online merchant loan.
A friend in need can choose a loan product that suits him according to his own situation. Pay attention to reasonable loans according to your actual needs and repayment ability, and don't raise loans by loans or borrow through multiple channels.
What are the Alipay loan software?
Alipay loan software includes Huabai, borrowing money immediately, lending treasure, interesting installment, online merchant bank and so on.
Bai Hua 1
The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".
Step 2 borrow money right away
It is a cash loan product under the immediate consumer finance. Immediate consumer finance is a consumer finance company approved by the China Banking Regulatory Commission. It has a consumer finance license and belongs to a veritable regular army.
3. Sorry
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.
4. Interesting stage
Fun Staging is a financial service platform that provides phased consumption for college students, covering nearly 30 million college students nationwide. Provide services such as installment shopping and cash consumption, and support the installment of the whole network. On August 20 15 1 1 day, Fun received financing of about 200 million USD from Ant Financial.
5. Online commercial banks
The online merchant bank is the first commercial bank whose core system is based on cloud computing architecture in China, which was initiated by Ant Financial as the major shareholder. As one of the first five private banks approved by China Banking Regulatory Commission, it officially opened on June 25th, 2005.
Baidu Encyclopedia-Excuse me
Baidu Encyclopedia-Interesting Stage
Baidu encyclopedia-online merchant bank
Baidu encyclopedia-ant flower bud
What are Alipay's loan platforms? Look at the nine regular platforms in Alipay.
What are Alipay's loan platforms? Look at the nine regular platforms in Alipay.
Alipay is a software that almost everyone is using. In addition to quick payment, transfer and living expenses, you can also use Alipay to manage your finances.
In the past two years, Alipay's loan function has also been loved by users. Let's take a look at the nine formal platforms in Alipay.
1, ant flower bud
Ant flower bud is a personal consumption credit loan product in Alipay. Users who open the flower garden will get a certain consumption quota, and users can use the flower garden quota to pay first and then repay. Users can enjoy the longest interest-free repayment period of 4 1 day.
2. Ants borrow it
Borrowing is a cash loan product of Alipay, which supports cash lending. The maximum loan amount is 300,000 yuan, and the loan interest is calculated on a daily basis, with a daily interest rate of 0.0 15%-0.06%.
At present, borrowing does not support users to actively apply for opening. The borrowing system will evaluate the comprehensive situation of users from time to time, and users who meet the borrowing conditions will be invited to borrow.
3. Alipay reserve fund
Alipay reserve fund is a 7-day loan service launched by Alipay for some eligible users. Each person's monthly loan amount is in 500 yuan, and he can enjoy interest-free repayment within the specified period.
4. Online commercial loans
Online business loan is just a business loan product launched by Alipay for small and micro enterprises and individual entrepreneurs. The maximum loan amount 1 10,000, and the longest loan period 12.
5. Recruit good loans
Zhaolian Good Term Loan is a personal credit loan product jointly launched by China Merchants Bank and China Unicom. Users can apply for a loan by paying attention to Zhaolian's term loan life number through Alipay. Only when the sesame credit score is above 600, can they have the opportunity to handle the term loan business with a maximum loan amount of 200,000 yuan.
6. Scaffolding
Future installment is a consumer credit loan product under the fun store, which mainly provides users with cash loans and consumer installment services. The borrower needs a sesame credit score of 600 to have the opportunity to apply for a loan;
7. China Postal Consumer Finance
China Post Consumer Finance is a consumer finance platform established by China Postal Savings Bank, which supports the maximum loan amount of 50,000 yuan and the longest loan period of 24 periods.
8. Consumer Finance in Yin Bao
Yin Bao Consumer Finance is a loan product launched by Baoshang Bank. The borrower must score more than 620 points and support the maximum loan amount of 50,000 yuan.
9. Guangfa "Lending Treasure"
Guangfa Qianhao is a personal credit loan product launched by Mi You Finance, the direct selling bank of Guangfa Bank, with a maximum loan amount of 200,000 yuan.