Legal analysis: the conditions required for online lending are: 1, and the borrower has legal and valid identification; 2. The borrower must be at least 18 years old and not more than 70 years old; 3. The borrower must have the ability to repay the online loan on time; 4. The borrower is law-abiding, honest and trustworthy, and has no illegal acts. At present, there is no criminal case or civil case against him; 5. Good credit, no overdue loans and credit cards in the name of the customer and his spouse at present, and the credit record meets the product access requirements.

Legal basis: Article 11 of the Interim Measures for Personal Loans in People's Republic of China (PRC) shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.