With the rapid development of e-commerce industry, more and more people have developed the habit of shopping online. As a mainstream e-commerce platform, "Taobao" has accumulated many users. Some Taobao users have also begun to have ideas, that is, can they use Taobao loans?

Taobao sellers and Taobao buyers can rely on their own Taobao shops or Taobao accounts for loans. At present, many lending institutions in the market provide Taobao loans for users.

Taobao buyer loans are generally consumer installment loans. Users can make Taobao shopping through lending institutions, and then return the shopping funds to lending companies in installments. Alipay's flower buds are loans that can be directly consumed in Taobao. Users in need can log on to Alipay-My Flower Garden to learn.

Taobao seller loan general loan company will evaluate the seller's store operation and issue store operation loans. There are many e-commerce loan platforms in the market that provide Taobao seller loans, and users can choose after comparison. If users can't find a suitable loan channel, they can go to Baidu Financial Mall. At present, there are many loan channels on the market.

What are the requirements for Taobao loan?

If users want to make loans through their own Taobao, then the first choice is to meet the loan conditions in order to successfully make loans. However, different lending institutions also have certain differences in loan conditions. You can learn about the basic conditions that Taobao loans need to have together.

Taobao merchant loan conditions:

1. Users must have Taobao shops that meet the requirements of lending institutions;

2. The borrower's Taobao shop operates healthily and the running water is normal;

3. The borrower needs to have a good credit status and no bad credit record;

4. The borrower needs a stable income, and the debt ratio cannot be too high.

Taobao buyer loan conditions:

1. The borrower needs to be at least 18 years old;

2. The borrower needs a stable income;

3. The borrower has no bad credit record and good credit;

4. The borrower needs to authorize the lending institution to view Taobao data.

If you want to borrow money through Taobao, you definitely need to authorize the lending institution to view its own Taobao data. Lending institutions will evaluate users according to their consumption, ability or operating conditions, so as to issue loans.