The application conditions for having money to spend mainly include two parts.

1. Age requirement: between 18-55 years old. However, please note that people with no income, such as those without jobs or students, are not eligible to apply.

2. Information requirements: During the application process, you need to provide your second-generation ID card and personal debit card.

The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

After meeting the above conditions, you can apply for a loan. Download the Baidu Youqianhua App, click Borrow Now → Check the Amount → Apply for a Loan → Funds Arrive. Borrowing can be completed in up to 4 steps, and the funds can arrive in the account in as fast as 3 minutes. 98% of users can achieve real-time lending and funds can arrive quickly.

In addition, during the application process, please pay attention to the following points: ① Due to some network problems, the verification code will be sent slowly, please do not click "Send Verification Code" frequently, and please wait within 30 minutes after getting the verification code. Complete the application. ② Please fill in the real name of the emergency contact person to ensure smooth review.