Hello, only if your Alipay account has completed real-name authentication, the account status is normal and has not been appealed, the account is bound to a mobile phone, and the Zhima credit score exceeds 600, you will have the opportunity to open a loan. You can go to My in Alipay- Check the limit on Ant Borrower. If you have no quota or no borrowing access, it means that you do not meet the conditions for borrowing yet. It is recommended that you maintain a good credit record. If you are unable to use Jiebai, it is recommended that you use Youqianhua to borrow money. "Youqianhua" is the original Baidu financial credit service brand (original name: Baidu Youqianhua, renamed to "Youqianhua" in June 2018), with It has the characteristics of easy application, fast disbursement, flexible borrowing and repayment, transparent interest and fees, and strong security. The application materials are simple, the fastest is approval in 30 seconds, and the fastest is 3 minutes for disbursement. You can repay in advance, and after repayment, the amount can be restored and you can borrow money on a recurring basis. I hope this answer is helpful to you. Click below on your mobile phone to measure your balance immediately! The maximum borrowing amount is 200,000.