Is the Ant loan the same as the online business loan? A friend said that the amount of his online business loan was 30,000, and asked the editor if he had an online business loan. The editor opened Alipay search and found that he could only use the loan, but his friend did not have a loan, so he knew about online business loans and Ant Lending. I will share it with everyone below. .

Different platforms

Online commercial loans are loan products sold by online commercial banks, and borrowing is a loan product sold by Ant Financial. The major shareholder of online commercial banks is Ant Financial. , specifically in terms of product application, the two are quite different.

The application conditions are different

Online business loans require the borrower to be the person in charge of corporate loans or personal stores aged 18-65 , must be an Alibaba member. The borrower applies well and is required to have a certain repayment ability. Obviously, the application conditions for borrowing are more down-to-earth.

Loan objects are different

Online commercial loans The scope is relatively small and it mainly provides services to Alibaba users. The borrowers are basically the owners of online stores. There are many loan targets, and basically all Alipay users can apply. The people targeted by the two are very different.

Different amounts

Online business loans have two loan methods: express version and standard version. The maximum loan amount of the express version is 500,000 yuan, and the maximum loan amount of the standard version is 2 million yuan. The amount borrowed is much smaller than that of online business loans, with a maximum of only 300,000 yuan. The difference in loan amount between the two is obvious.