Ant borrowing is a personal consumption loan service, which belongs to the brand of Ant Financial Service. The loan applied for can be lent to Alipay account. If ants borrow money, they won't have bad credit records. If it is serious, it will be prosecuted by the lending institution, and the borrower will bear the corresponding responsibility. Many loan platforms have been connected to the credit information system, and it has become an inevitable trend to access the credit information of the People's Bank of China. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the borrower is in arrears for a long time or deliberately fails to pay back the loan, after the amount exceeds 2000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.

Come on, loans overdue will have a bad credit record. Once in loans overdue, the bank will report your overdue records to the central bank's credit information system. Once the record is generated, your personal credit report will be defiled. This little stain will form a great resistance to your future loan and credit card application. Borrowers can't lose big because of small. Overdue repayment of loans will generate additional costs. When signing a loan contract, loans overdue will generally make some provisions, and overdue loans will generally generate penalty interest. The amount of penalty interest and the interest generated are different from those of financial institutions, but as an expense that should not be spent, it is better not to generate it.

I hope this answer can help you. In addition, if you need money urgently, you can also choose a big brand unsecured credit brand to borrow money. The interest rate is transparent and credible, and you have money to spend. The application conditions are mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

After meeting the above conditions, you can apply for a loan. Download Qianhua App, enter the loan entrance, and click View my quota → Fill in the information → Confirm the information → Get the quota. The fastest approval is 30 seconds, and the maximum amount is 200,000. Click on the bottom of the phone to measure the amount immediately.