1. Today, applicants applying for Huabai loan must be between the ages of 18-55, and refuse to provide consumer installment loans to college students.

2. You need to provide your second-generation ID card and your debit card during the application process (my identity information needs to be second-generation ID card information, and you can't use temporary id card, expired ID card or first-generation ID card to apply);

3. The applicant has a stable job and income and the ability to repay the loan;

4. Personal credit information is good, and there are no bad records such as overdue.