Brand model: iphone 13

System version: ios 15.3. 1

Application version: v 10.2.56

Step 1: Find the loan+entrance.

Open Alipay wallet, click My-Ant Borrow, find Borrow+,and apply according to the page prompts. It should be noted that if there is no loan+on the loan page, it means that there is no qualification for opening at present.

Step 2: Credit limit review

After borrowing money online and submitting an application, you need to go through a strict quota review process. There are four audit methods:

1. Direct system audit:

The most convenient is the direct audit of the system. After approval, you can go to the "Loan+"page to check the amount and interest rate you have obtained. The specific approval method is subject to the page display, and independent selection is not supported for the time being.

2. Audit of offline outlets:

The offline audit requires the applicant to prepare complete information, including ID card/provident fund payment certificate/credit report, etc. , and go to the offline cooperation outlets for review.

3. Call back:

The cooperative organization expects to call the customer within 2 working days, and the operation is relatively simple.

4. On-site audit of the account manager:

If it is an account manager's on-site audit, the time and place of on-site audit will be communicated in advance. It is expected that the account manager will communicate with the user about the door-to-door time and interview place within 2 working days.

Step 3: Check the obtained amount and interest rate on the loan+page to borrow money.

"Borrowing" is a credit loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.