You can follow the following steps: 1, open Alipay, you can see the entrance of the online merchant bank in "My", and then download the online merchant APP. 2. The online merchant bank needs to register, scan the ID card, and then bind the bank card and Alipay account. At this time, you can see the entrance of the loan. Click borrow money to see the time and interest of borrowing money. The daily interest rate is 0.0483%, and some may be lower. Everyone's interest rate is different. 4. If you are in average capital, you can borrow 10000 yuan, the longest loan period is 12 months, and the daily interest rate is 0.05%, which is similar to that of ants. If you borrow 1 0,000 yuan, the total interest is 987.92 yuan. 5. The final loan will go directly to Alipay or the bound bank card. In addition, there is a repayment reminder every month, which will be displayed to tell you how much you still have each month. Alipay online merchants need to meet the following conditions when lending to banks: 1, individual users need to bind Alipay or bank accounts, and enterprise users need to register the business of 1 year. 2. The applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, aged 18-65, and a resident of Chinese mainland. 3. Some areas have not been opened, such as Xinjiang, Inner Mongolia, Gansu, Ningxia, Hainan, Qinghai and Wenzhou. But most areas support it. It's embarrassing that you didn't come. Online banking credit, online merchant bank is a formal private bank in China. Of course, every loan in it is on credit. For credit, as long as it is repaid on time, without delay or stain, what is a bad record? As an online loan entrance, online merchant bank is very convenient for many people. As long as the basic conditions are met, you can apply for a loan to solve your own capital needs. : 1. AliPay is a third-party payment trading platform, which is mainly used for people's daily consumption and payment functions. If Alipay is bound with a bank card, it is equivalent to opening a function. Do third-party supervision, so that everyone can shop on Taobao without risk. Online merchant banks mainly focus on bank credit business and deposit business. Alipay focuses on life applications and shopping, becoming the flagship of a cashless society. 2. Binding the bank card only enables fast payment, which belongs to the function of bank card online banking; E-commerce banks are equivalent to banks relying on the Internet, and their functions are similar to those of traditional banks. 3. Online merchants and Alipay are platforms with different attributes. Online merchants and Alipay are different in consumption and lending. E-commerce banks issue operating loans before Taobao customers merge into e-commerce banks. Alipay's flower bud loan is a consumer loan. The nature is slightly different, but in the end they are all repaid through Alipay. Operating environment: apple 12ios 14 AliPay 10.2.33.

Second, how does Alipay online merchant bank borrow money, and what is the maximum loan amount?

1. If the sesame credit score is not less than 600 points and the user meets the requirements, just upgrade your Alipay wallet to the latest version, and you can use the "borrow" loan function in the "wealth" column of Alipay wallet.

2. Borrowing is a consumer credit product under Ant Microfinance. Users with a sesame score of not less than 600 will have the opportunity to use personal consumption loans. According to different scores, users can apply for a loan of up to 50,000 yuan, and the amount applied can be transferred to Alipay balance. The longest repayment period of "borrowing" is 12 months, and the daily interest rate of the loan is 0.045%.

3. Although using Alipay to borrow money is convenient and fast, its interest rate is relatively not low, so remember to overdraw within your own ability to avoid exceeding your repayment ability and adversely affecting your personal credit.

3. How to get a bank loan through Alipay?

1. First, open Alipay online merchant bank on your computer or mobile phone.

2. Enter the main interface of online merchant bank, as shown in the figure below.

3. Click "My" in the above picture to enter the interface below, and then click the button to borrow money.

4. Click the loan option in the figure below.

5. Next, you can see the picture below.

6. Fill in the amount we need to borrow, and then click Next.

7. Click the OK button in the pop-up dialog box, and Alipay will put the money into your Alipay account.

4. What is the situation that Alipay online merchants always prompt to try again later?

Alipay online bank loans have been prompted to try again later because of loan errors. The solution is:

1. Open your phone and click Alipay APP.

2. On the Alipay homepage, click "My" in the lower right corner.

3. "My" home page, drop-down page, find the "online business loan" entrance.

You can see the money on the "Online Commercial Loan" page.

5. Modify the loan amount and confirm the purpose of the agreement.

6. The loan was successful.