Rookie cloud loan individuals can borrow money. According to relevant public information, Alipay Rookie Cloud Loan allows personal loans. Alipay rookie cloud loan can make small loans, as long as it meets the relevant regulations of the platform, it will give users normal loans. The application condition of rookie cloud loan is that the borrower has good credit and repayment ability. Cainiao Cloud Loan is a credit loan made by Cainiao.com for brand dealers. You can borrow and return it at any time. The annual interest rate is as low as 7.5%, and the whole process is online. It should be noted that some small loan scammers say that they can repay as long as they have an ID card, and nothing else is needed. In this case, they should be careful. After they get your ID card, they may ask you to pay, threatening to disclose your ID card information without paying.