This is the process of borrowing money from small loans:

1. Open Alipay APP and click "My" on the home page to enter the personal center page.

2. Click "Sesame Credit" to enter the Sesame Credit page to complete authorization and authentication.

3. Return to the personal center page and click the "Loan" button under "Balance".

4. On the loan page, click the "I want to borrow" button, select the loan amount, number of installments and other related information, and enter the application process.

5. Fill in the relevant information, submit the application and wait for approval. After approval, the loan will be directly credited to Alipay balance account.