Conditions: Chinese mainland citizen with full civil capacity, aged between 18 and 65. The applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, and the individual operator of Alipay. Sesame credit score above 600 points, real-name authentication Alipay account, opened the flower garden. Industrial and commercial registration time is not less than 1 year. Personal credit record is good, and there is no bad credit record on the credit report. To apply for an online merchant loan, just log in to Alipay, click "Online Merchant Bank" in the "My" interface, find the online merchant loan, click Enter, and then open it.

Operating environment: readmi k30Pro AliPay APP version: 10.2.38.82

1. However, it should be noted that online merchant loans are only open to some people at present, so not everyone can find the entrance of online merchant loans on Alipay. If you can't find it, you can download the online merchant bank APP, or log in to the online merchant bank official website to see if you can apply for an online merchant loan.

2. Other online merchant bank loan conditions are:

Personal bank accounts need to be bound with Alipay, and the industrial and commercial registration time of enterprise users should be at least 1 year. The borrower must be an enterprise legal person or the person in charge of individual industrial and commercial households, aged between 18 and 65, and a resident of Chinese mainland. Borrowers must be in areas where services can be provided, and some areas (Tibet, Xinjiang, Inner Mongolia, Gansu, Ningxia, Hainan, Qinghai and Wenzhou) have not yet opened loan services.

3. What platform is online business loan?

1. Online business loan is a loan product serving small and micro enterprises and entrepreneurs. The online merchant bank is the first commercial bank whose core system is based on cloud computing architecture in China, which was initiated by Ant Financial as the major shareholder. Ant Financial is a financial service company under Alibaba.

2. How does the online merchant bank loan?

Open the mobile phone Alipay, click "My", and then click to enter the online merchant and download the online merchant's APP. To register an account, you need to scan your ID card online for verification, and then bind the bank card and Alipay account. Click on the loan. Enter the page where I want to borrow money, from which I can see that the order loan bears interest on a daily basis, and the expected annualized daily interest rate is 0.0483% (a one-time handling fee of 0.2% is charged for early repayment). Enter the page of average capital, with a loan of 10000 yuan, which can be used for 12 months. It is expected that the annualized daily interest rate will be 0.05%, just like when ants borrowed it. If you borrow 1 0,000 yuan, the total interest is 987.92 yuan. The estimated monthly repayment amount will be displayed. The specific repayment amount is subject to the actual bill after the loan.

Operating environment: readmi k30pro online merchant bank APP version: 8.8.3.