Under the premise of real-name authentication, loans can be made through Alipay's "small micro-loan" and WeChat's "micro-loan".

Briefly introduce the loan process of "small micro-loan":

1, use your mobile phone to pay Alipay and log in, click more.

2. In more cases, you can see small and micro loans. Click to enter. When you first click, the download will appear. After a while, you will complete the small program of embedding small and micro loans into Alipay.

3. Under "My Loan", there are projects that meet the conditions of account loan. This account can be loaned with ordinary funds (12 months), and others do not meet the application conditions. Click on the average capital loan (1February) to enter.

4. The daily interest rate, repayment period and repayment rules can be seen in the detailed introduction of the average capital loan (12 months). Click to apply for a loan after you understand everything.

5. The information of the lender uses the information certified by Alipay. If you are prompted that improvement is needed, click Improvement, and then enter the applied amount and information verification code. Finally, click Submit to apply for a loan.