Can Alipay Jiebei repay in installments?

Alipay Jiebei supports installment repayment when applying for a loan. There is no need to apply for installments again. The longest repayment period of Jiebei is 12 During the period, when applying for a loan, users need to apply within the credit limit of Jiebei. When applying for a loan, users can choose different repayment methods, such as interest first and then principal, equal amounts of principal and interest, etc. When borrowing, Jiebei calculates interest on a daily basis. , users can return it in advance after borrowing money.

When users use Jiebei to borrow money, they need to apply for credit, which means that their personal credit records will be checked. Moreover, the borrowed money will be uploaded to the credit reference center, regardless of whether the borrower repays it on time. It should be noted that late repayment will incur penalty interest and will affect personal credit. A bad credit report will affect the subsequent processing of various loans.

When using Jiebei to borrow money, different users get different borrowing interest rates. Lower borrowing interest rates also allow users to pay less borrowing interest. However, when you first start using Jiebei, the loan interest rates given are relatively high. As the number of borrowings increases, the interest rates will decrease when users borrow again.

Before using Jiebei to borrow money, it is best for users to know what kind of income they will use to repay their debts. If their personal income is insufficient, they should be cautious when borrowing money. If your personal income is relatively high, you can borrow money with confidence at this time without worrying that you will not be able to repay it later. If you really can't repay the loan on time, you can borrow money from friends around you to repay it.

Version information: Take Alipay version 10.2.60, Apple 13 (IOS15.4.1 system), Huawei mate40 (HarmonyOS2 system) as examples. Can I repay the loan in installments?

Ant Jiebei can repay in installments. You can choose to repay in installments in 3 months, 6 months, or 12 months.

The maximum repayment period of Ant Borrowing is 12 months. Users can choose to repay in monthly installments or repay in advance. Regardless of whether it is repayment in installments or early repayment, the daily expected annualized interest rate is about 0.045%.

You can apply for a loan in multiple times with Jiebei. Each application will occupy the credit limit. For example, after you borrow 5,000 yuan, 5,000 of your Jiebei quota will not be used, but after repaying one After the period, part of the quota will be restored. Can I repay the loan in installments through Ant Borrowing?

Yes, 1. You can negotiate the repayment if you borrow. To apply for a second installment on Jiebei, you only need to dial 95188 customer service number and press No. 2 and then transfer to manual. After connecting to the customer service, you will describe the current situation of the user in detail. It is not that you deliberately want to overdue, but the main reason is that you are helpless. Reasonably put forward your own installment demands and negotiate the number of installments within your ability.

2. If the loan is overdue, the user can apply for negotiated installment repayment. As long as the negotiation is successful, the repayment can be made according to the negotiated agreement. If the negotiated repayment fails, the user must pay off the overdue debt in one go, otherwise the overdue status will not be lifted, and the user will not be able to apply for other loans during the overdue period. In addition, the borrowed money is overdue, so spend it.

3. If the user is unable to repay the loan, he or she must find a way to repay the loan on time. If you are really unable to repay, it is recommended to contact Alipay customer service to negotiate repayment. Users can communicate directly on Alipay or call Alipay officials.

“Jiebei”, now known as Credit Loan, is a loan service launched by Alipay. According to different Zhima scores, users can apply for different loan amounts. The maximum repayment period for Borrowing is 12 months, and the daily loan interest rate is 0.045%. You can repay as you borrow.

On January 9, 2018, some user accounts were actively closed to control loan balances due to excessive leverage and violation of relevant central bank regulatory regulations.

According to news on November 8, 2021, it is reported that the name of Alipay’s “Jiebei” has been changed to “Credit Loan”. In response, Alipay customer service responded that in order to facilitate you to have a clearer understanding of the actual consumer credit service provider, the consumer credit services independently provided to you by financial institutions that cooperate with Ant have been updated to "credit loans" and are displayed on the credit loan page. Financial institution name. After this adjustment, the original borrowing, accounting, repayment and other services will not be affected.

Jiebei" is a loan service launched by Alipay. The current application threshold is a Zhima score of above 600. Depending on the score, the loan amount that users can apply for ranges from 1,000 to 300,000 yuan.

The maximum repayment period of Borrowed is 12 months, and the daily interest rate of the loan is 0.045%. You can repay whenever you want.

On November 7, 2021, according to feedback from netizens, Alipay Jiebei has been updated to "credit loan". After the update, borrowing, accounting, and repayment will remain unchanged. Jiebei’s name change actually only clarifies the form of the loan. Officially, credit loans are consumer credit services independently provided to users by financial institutions that cooperate with Ant. The consumer credit service provider will be displayed, and the user’s limit, interest rate, etc. are all from this financial institution. As a result of independent review and approval by the institution, the loan funds applied by the user will also be issued by the financial institution. Can I repay the loan in installments

Can I pay in installments if I borrow the loan? The borrowing period of Jiebei is available in 3, 6, or 12 periods. After selecting the borrowing period, you can then choose the repayment method to repay monthly. In addition, Borrowing is a product that calculates interest on a daily basis and can be borrowed and repaid at any time. If it is no longer needed, the remaining principal can be returned at any time, and the system will calculate interest based on the actual number of days of use.

1. Introduction to Jiebei

Credit Loan (former name: Jiebei) is a loan service launched by Ant Financial Services Group[1] relying on Alipay. According to the Sesame Score Different loan amounts that users can apply for vary. The maximum repayment period of Borrowing is 12 months, and the daily interest rate of the loan is 0.045%. You can repay as you borrow. When borrowing, users can choose to lend money to their Alipay account and bound savings bank card for personal consumption, decoration, travel, etc.

In November 2021, the name of Jiebei has been changed to "Credit Loan", and it is clearly stated that the service is provided by a bank.

2. Development History

On January 28, 2021, Ant Jiebei launched a new limit management function, and users can adjust the limit independently. [In November 2021, the name of Alipay Jiebei was changed to "Credit Loan", and it was clearly stated that the service is provided by a bank. Jiebei said that it is gradually promoting brand isolation work. In the future, Jiebei will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by banks and other financial institutions will be displayed on the "Credit Loans" page. During the brand isolation process, users' service experience will not be affected, and core processes such as activation, accounting, interest calculation, and loan repayment will not change.

3. Conditions that need to be met for borrowing money

1. First of all, you must go for real-name authentication, because only after real-name authentication can you successfully open Ant borrowing.

2. Another thing is that you must make your account active, because only with high account activity can you increase the chance of successfully opening Ant Borrowing.

3. In addition, you need to ensure that your own Sesame Credit score is relatively high, use Alipay to buy things more or use Alipay money to participate in financial management, and improve your own Sesame Credit score in order to successfully open an Ant account. Borrow it.