If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply.

For example, the more retail business you handle in China Merchants Bank (such as deposit and wealth management), the longer the time, the more transactions and deposits, the greater the "lightning loan" you may get; Besides, you need to keep a good personal credit record.