Many lending platforms refer to some big data when evaluating the comprehensive qualifications of borrowers. For example, sesame is one of them. For example, if some borrowers reach a certain level, they can go to some loan platforms that authorize sesame credit points to borrow money. So, what platforms are there for sesame loans? Let's take a look at it for everyone.
What are the platforms for sesame loans?
1, excuse me
Personal consumption loans on Alipay are borrowed by some people, and some people will become credit loans. No matter what kind of loan, it will refer to the borrower's sesame credit. Generally, the sesame score is not less than 600 points, but it is not only evaluated by sesame score, but also depends on the borrower's credit information and Alipay usage.
2. Online commercial loans
The online merchant bank provides a large credit loan for Alipay merchants, with a maximum loan amount of 1 10,000, which can be repaid at any time. It takes 24 months at the longest, and sesame seeds can only be opened when the score is over 600. If the borrower has already opened the loan, it is generally impossible to use the online merchant loan, and the object positioning of the two is different.
3. Comfortable flowers
Credit loans immediately launched by consumer finance can be applied directly online without mortgage guarantee. When borrowing money, the borrower will be authorized to check the sesame credit score. Aged between 20 and 57, with good credit and willingness and ability to repay. You can try to apply for sesame seeds with a score of more than 580.
4. Recruit good loans
Credit loans launched by Zhaolian Finance should also refer to Sesame Score. The basic requirement of the borrower's sesame score is 600 points. Depending on the score, users can get lines ranging from 1000 to 50000. Within the bank, they can submit loan applications and lend them to bank cards. The longest repayment period is 12 months, which can be repaid with the loan.
5. Alipay reserve fund
Short-term credit loans on Alipay, like loans, should also refer to sesame points. Generally, sesame scores are above 600. If Alipay is used well and has the repayment ability, it will have the opportunity to apply for this reserve fund, but the maximum amount is 500 and the term is 7 days, which is only suitable for short-term emergencies.
The above is the relevant introduction of "Sesame Sub-loan Platform", and I hope it will help everyone.
What is Sesame Credit Sub-loan?
The loan situation of Sesame Credit is as follows:
1. Sesame can be used when its credit score reaches 600. Open Alipay and enter "Ant Borrow". You can see your usage quota immediately after using it.
2. For a loan with a good term, you can find an application in Alipay "Sesame Credit", and the credit score is required to reach 600 points.
3. Huabai is a loan product that we use more. Sesame Credit Branch will affect the quota and use of flower buds.
4, honeycomb wallet, sesame score of 550 points or more can apply, the loan amount is relatively small.
5, online business loans, sesame points can be used more than 600 points, the loan amount and duration are relatively large.
How many points can Alipay Sesame Credit borrow?
Sesame credit above 600 can use Alipay loan.
You can apply for the "flower garden" quota for sesame seeds with 600 points or more.
You can open Alipay loan with sesame score above 700.
Users with sesame scores above 700 have the opportunity to apply for Alipay loans, ranging from 2,000 yuan to 1000 yuan. The loan term is divided into 3 months, 6 months, 65,438+0.2 months, which can be repaid at any time with monthly interest. The repayment method is equal principal and interest.
You can apply for "borrowing" if the sesame score is more than 600. Through "borrowing", sesame credit users can apply for personal consumption loans with the corresponding amount of sesame seeds, and the applied amount can be withdrawn to Alipay balance, which is equivalent to obtaining a loan from the bank.
How to borrow sesame credit
Step 1: Use mobile phone Alipay and log in, and click more as shown in the following figure:
Step 2: You can see micro loans in more cases, and click Enter.
Step 3: See that under my loan, there are projects that meet the conditions of account loan, as shown in the following figure. 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.
Step 4: Average capital loan (12 months) You can see the daily interest rate, repayment period and repayment rules in the detailed introduction. Among them, the repayment rules should be carefully examined, which is related to your interests. If you understand them, click to apply for a loan.
Step 5: Lender information uses Alipay authentication information. If you are prompted to improve, click Improve.
Step 6: Enter the amount and information verification code of your application, and finally click Submit Application. You can usually get a loan if you can apply.
Extended data:
Increase the amount of sesame credit loan
1. Because Sesame Credit belongs to credit and the like, you can use a credit card to repay with Alipay, and it is also important to bind Sesame to a credit card, so if you have a credit card, you must remember to bind it.
2. Alibaba's e-commerce department, Tmall Taobao and other shopping items, shopping categories, return records, and even Ali Wangwang's chat records are all important scoring criteria for Sesame Credit.
Buying things with sesame credit line is also a very important way to increase sesame credit line.
4. At home, it is also the best to pay the gas and water bills with Alipay, because it can also improve your sesame credit.
5. If you have many Alipay friends, your sesame credit can also be added. It is suggested to add all the numbers in our mobile phones as Alipay friends.
6. When using Yu 'ebao and Lucky Treasure, the greater the investment, the more businesses used, the more frequent the frequency and the higher the score.
7. Finally, keep a good personal credit record.