In addition to Huabei Borrowing, where else can I borrow money with Alipay?

In addition to borrowing money on Alipay, what other types of loans are there?

When it comes to Alipay loan products, the first thing that usually comes to mind is Ant Borrow. Among many online loan products, Ant Borrow has a high popularity, but this product only adopts an official invitation system. It has been opened, so many Alipay users have been turned away by Jiebei. So besides Jiebei, what other loans are available on Alipay?

In addition to borrowing money, Alipay also has the following three products:

1. Huabei. Huabei is a personal consumption credit loan product in Alipay. Huabei is mainly used for daily consumption. Users who activate Huabei can not only use Huabei to shop online, but also use Huabei to pay offline. Huabei is similar to the familiar credit card. You can overdraft consumption in advance and enjoy the interest-free period. As long as you repay on time within the specified time, you can enjoy the interest-free service. If you cannot pay off all the debt within the specified period, , then Huabei also supports installment repayment and minimum repayment.

2. Reserve fund. The reserve fund is a small short-term cash loan service in Alipay. Currently, the reserve fund is only open to some high-quality users. The loan limit is 500 yuan per person per month and the loan period is 7 days.

3. Online business loans. Online Merchant Loan is similar to Ant Borrower in that it is a personal cash credit loan product. However, the user group targeted by this product is small and micro enterprises and individual entrepreneurs. Only merchant users have the opportunity to apply for Online Merchant Loan. This product is also currently using If opened on an invitation-only basis, the loan period supported is up to 12 periods.

In addition to the above three products, you can also borrow money through the Alipay Life Account. For example, products such as China Merchants Union Financial Haoqi Loan and Guangfa Youmi Finance Haoqian Loan can apply for loans through the Alipay Life Account.

1. China Merchants Union Finance is a personal credit loan product. The maximum loan amount supported by this product is 200,000. The specific amount is determined by system evaluation. Generally, the age range is 21-50. Alipay real-name users who are 18 years old, as long as their Zhima credit score is above 600 points, will have the opportunity to apply for a good term loan.

2. Guangfa is easy to borrow money. A personal credit loan product launched by Youmi Financial, a direct bank of China Guangfa Bank Only real-name Alipay users with a credit score of 700 or above have a chance to successfully apply for a loan.

It can be seen that there are still many loan products in Alipay, but usually Alipay loan products have certain requirements for the borrower’s Zhima credit score, so when everyone uses Alipay credit products, Pay attention to maintaining a good personal credit status. In addition to Huabei, where else can you borrow money from Alipay?

In addition to Huabei, Alipay also has Jiebei, MYBank, and reserve funds that you can borrow money from. Huabei is not a borrowing tool, but a consumption tool provided by Alipay to users. The real borrowing tools are Ant Borrowing and MYbank, while the reserve fund is between consumer tools and borrowing tools.

Ant Jiebei loan requires the user to have more than 600 Zhima points. Users can click "My" on the Alipay homepage, then click Borrow, and fill in relevant information as prompted. Jiebei will review it as quickly as possible. If the amount is relatively small, the approval will usually be completed within 10 minutes. The activation of Ant Jiebei can only be achieved by reaching 600 Zhima points. There is no artificial means to force the activation of Ant Jiebei. All those who need to pay handling fees to force the opening of Ant Borrowing or help Ant Borrowing increase their quota are scammers. The interest rate for Ant Borrowing is generally 0.05%.

The interest rate of MYbank is relatively low, generally 3.5%. Users can download the MYbank APP or directly open MYBank in Alipay, then open a bank account, and then follow the prompts to complete the loan. To open online merchant banking, users need to be 16 years old and their ID card is valid. The reserve fund requires the user to be an Alipay gold member. The borrowing does not conflict with the Ant Borrowing loan and is independent of each other. In addition to Huabei Jiebei, what else can you borrow from Alipay?

In addition to Jiebei and Huabei, what else can you borrow from Alipay:

1. Ctrip Finance

Ctrip Finance is the credit platform of Ctrip Group. The loan limit can reach up to 200,000. The loan period is very long and can be used for up to 36 months. For those who have difficulty in cash flow in the short term, it can greatly alleviate the repayment pressure.

Ctrip Finance's loans are calculated on a daily basis, with the lowest daily interest rate as low as 0.02%. You can borrow and repay at any time. Its "take and spend" product can enjoy an interest-free period of up to 40 days. You can go on a happy trip.

In Ctrip Financial Loans, the source of funds is authoritative and professional. When borrowing, you need to check the borrower's credit report, which generally requires a good credit report.

2. Gome Easy Card

Gome Easy Card is a consumer installment platform under Gome Financial. It can provide users with many services such as cash withdrawals, installment shopping, and provident fund loans. The loan limit The maximum is 150,000, and one application can be used repeatedly. The applicant must be over 18 years old and no more than 45 years old, with good credit, stable source of income, automatic review is fast, and the payment can be made in 5 minutes at the fastest. The daily interest rate is 0.03%. Loan The maximum term can be divided into 36 installments, with low repayment pressure.

If you have capital turnover needs, it is recommended that you use 360 ??IOU. 360 IOU is based on 360’s big data, and then conducts a comprehensive assessment of the user’s credit, and finally provides users with instant payment on this basis. loan. The maximum loan amount is 200,000 (click on the official free limit test), and the daily interest rate is as low as 0.03%. It has the characteristics of easy application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest fees, and strong security. Warm reminder: The above information is for reference only and does not constitute any lending advice. During the online loan process, you must pay attention to preventing risks. In order to ensure the safety of funds and prevent fraudulent loans, it is recommended that you choose a regular bank or regular loan platform through your own judgment after a comprehensive understanding, and borrow reasonably based on your actual situation. I would like to ask Alipay what else can I borrow money from besides Borrowing

1. Positive answer

Ant Borrowing is a borrowing service provided by Alipay. However, apart from Ant Borrowing, there are There are many ways to borrow money.

2. Specific analysis

1. Youqianhua: Youqianhua is a purely online application and does not require a mortgage. Generally, you can apply by providing your ID card and bank card. , the age is between 18 and 55 years old. The maximum amount available is 300,000 yuan, but college students cannot apply for loans when they have money to spend.

2. Weilidai: Using an invitation system, WeChat and mobile QQ users with good qualifications have the opportunity to obtain loans, with a limit of 500 to 300,000, and a daily interest rate of about 0.05%.

3. Jingdong Gold Bar: Provides cash loan services specifically for Jingdong Baitiao, with a maximum limit of 200,000. For beginners with good credit, it is easy to apply for 50,000.

4. Meituan living expenses: The threshold for borrowing money is very low. As long as you are over 18 years old, have good credit, and are Meituan users, you can apply. The maximum limit is 200,000, and the daily interest rate is about 0.05%.

You can clearly understand your own big data problems on: Xiaoqixincha. It is an efficient, accurate and complete big data system that cooperates with more than 2,000 online lending platforms to provide accurate and comprehensive data.

3. How can I borrow money again using the loan software after I have already borrowed a lot?

If you have already applied for a loan on many loan platforms and want to borrow again, you must ensure that your personal credit is good and you have the ability to repay the principal and interest of the loan on time, otherwise the loan will not be approved and the loan will be granted. .

It should be noted that if you borrow too much frequently, you will inevitably have multiple borrowing situations, which will cause the credit report and Dingyi Quick Check big data to become "spoiled", thus affecting the loan approval. Therefore, it is recommended that those who have a lot of loans under their name should refrain from applying for new loans for at least three months, and take advantage of this period to pay off the unpaid loans under their name (if they cannot pay off the money at the moment, you can try your best to pay back as much as you can) Some, pay attention to repay on time and avoid overdue).

After three months have passed, the situation of credit reporting and Dingyi quick check big data has been improved, and the personal debt ratio has also declined, it will not be too late to borrow money by then, and it can be successfully done. The chances of coming down will be higher.

In fact, it is best to borrow money based on actual needs. Do not borrow too much frequently. Otherwise, not only will the repayment pressure be great, but also subsequent borrowing will be affected.