Zhaolian Financial Credit Payment is a credit loan product jointly launched by China Merchants Bank and China Unicom. It is an online staging mall under Zhaolian Finance, which is mainly used for staging shopping.

To apply for a financial loan, the borrower must be not a college student, must be at least 18 years old, and earn more than 2,000 yuan a month. When applying for a loan, Zhaolian Finance will inquire about the credit information of the borrower. If there is a credit stain on it, the borrower will not pass the loan approval.