Huimin loan can only be applied in the mobile banking of Bank of Communications. After customers enter the mobile banking, they can find the loan page, where they can see the information of Huimin loan. If they want to apply for a loan, they should submit the information according to the system reminder and wait until it is approved.

However, Bank of Communications has a strict review of Huimin loans, requiring customers' qualifications to meet the loan requirements. For example, 18-55 years old, with full capacity for civil conduct, and the income and credit information meet the requirements. Generally, it is a payroll customer such as Bank of Communications. And there are certain application thresholds.