If users need to apply for loans, they can apply for loans at major banks, or they can apply for loans at major legal lending platforms (such as JD.COM Gold Bar and Alipay).

Basic conditions for applying for a loan: 1. The applicant is at least 18 years old and has full capacity for civil conduct; 2. The applicant's personal credit conditions are good and there is no bad credit record. You can learn about the current credit status (Bauer data) on WeChat; 3. The applicant has a legal and stable job and income; 4. The applicant has the ability and willingness to repay the loan in full; 5. The applicant has a fixed residence in the place where the loan application bank is located.