1. Open Alipay and enter "Ant Borrowing" in the top search bar to enter the Borrowing Center;
2. After entering, it will show the loan amount and interest rate we can borrow. Everyone has different repayment ability and credit rating, and the loan amount and interest rate are also different. The higher the general credit score, the higher the repayment ability and the lower the interest rate. Click "go to borrow money";
3. After entering, enter the loan amount, choose the loan purpose, and daily consumption, decoration, tourism, education, medical care, etc. User's; Choose the loan term, 3 months and 6 months, and choose the repayment method, including equal monthly repayment and interest before principal.
4. Enter the payment password to complete the ant flower garden loan. After approval, the loan amount will be paid directly to Alipay balance, and can be withdrawn to bank card, and a certain service fee will be charged for withdrawal.
There are other loan platforms in Alipay Life, such as Zhaolian Life and Good Term Loan, which require a sesame credit score of 600 or more to apply; An order loan requires a Taobao shop that has been operating well for more than 2 months. Loans will generate interest, so we should spend reasonably and within our power.
Where can college students borrow money with Alipay?
At present, Alipay does not support college students to borrow money. Because college students have no financial resources, many platforms refuse to accept college students to borrow money. Alipay Life has a loan, which is exclusive to college students, such as interesting staging and future staging. It needs a sesame credit score of over 600. It is an installment loan, which is used for consumption and cannot be withdrawn. Similar to Alipay flower buds, you can avoid face-to-face signing, with a credit consumption limit of 2,500 yuan and interest-free for 30 days.
At present, there are many platforms in the market that make use of students' comparison psychology to give students loans. The loan interest is high, the overdue penalty interest is high, and the students are unable to repay it. I don't recommend students to take out loans because they have no repayment ability. It will not only harm yourself, but also affect parents.