There are other platforms that can be used for loans with Alipay!

Alipay has always been trustworthy in the hearts of consumers. Some friends who need a loan will also consider applying through Alipay. So, what are the platforms for borrowing money through Alipay? Today I will introduce to you 5 loan platforms that meet your needs.

According to the operator of the loan, the Alipay loan platform can be divided into Alipay's own loan platform and Alipay's cooperative loan platform. Let me explain in detail:

Alipay’s own loan platform

Alipay’s own loan platform mainly focuses on borrowing, Huabei, and online merchant loans.

Jiebei can provide you with pure credit loans. The amount is generally between several thousand to tens of millions of yuan. It adopts the method of installment repayment. The interest is calculated on a daily basis. The daily interest rate generally supports repayment at any time. .

Huabei is an Alipay loan platform that is a bit like a credit card. It will give borrowers a certain interest-free period. The longest interest-free period is 41 days. After the interest-free period has passed, Huabei will start to calculate interest, and the interest is related to the loan term.

Online Shangdai is an Alipay loan platform that mainly provides services to online store owners, including Ali Credit Loans, Taobao Credit Loans and AliExpress Credit Loans. The amount of loans that online merchant loans can provide you is very huge, up to tens of millions of yuan.

Loan platforms that cooperate with Alipay

Loan platforms that cooperate with Alipay include China Merchants Lianhao Futures Loan and other platforms.

China Merchants United Futures Loan is also a platform for loans through Alipay. The limit can reach 200,000 yuan, and the daily interest rate is as low as sesame points and above 550. You can apply.

Looking at the overall situation, there are not many platforms that offer loans through Alipay, but most of them are relatively formal and have good service levels.

Which platform is the best for online business loans?

1. Platform Taobao and Tmall store owners and other online store "online merchants";

Small micro-enterprises mainly engaged in production and operation Enterprises, individual industrial and commercial households, self-employed individuals; long-term users of online banking APP, online banking financial purchase customers, users of agricultural planting, breeding, agricultural product processing, etc. Restaurants, mobile phone stores, small shops and other offline “code merchants” that use QR codes to collect money.

2. The loan scope of online merchant loans is relatively small, and it mainly provides services to Alibaba users. The borrowers are basically store owners. Online commercial loans are provided by international website members to solve customer financing at the foreign trade transaction site. A kind of credit loan provided based on demand. The borrower must be the person in charge of corporate loans or personal business, aged between 18 and 65 years old, and must be an Alibaba member.

3. In online commercial banks, online commercial loans are a credit classification, a loan product that can be disbursed quickly, does not require opening a physical card, can be borrowed and repaid at any time, has a low application threshold, and has no specific taxes. Invoicing requirements, high frequency, credit categories include Alibaba credit loans, online loans, Taobao/Tmall credit loans, AliExpress loans, etc. In other words, from the perspective of credit classification, Ali credit loans belong to online business loans.

4. Online business loan is an operating loan launched by Online Business Bank for small and micro business owners and individual entrepreneurs. It can meet the financial needs of users in the business process, with a monthly interest rate of 0.75%-1.5 %, interest is calculated on a daily basis, and can be repaid at any time. The maximum amount is 5 million. The repayment method is equal amounts of principal, with interest first and then principal.

5. The customer groups that can apply are online store "online merchants" such as Taobao and Tmall store owners; small and micro enterprises engaged in production and operation, individual industrial and commercial households, and self-employed individuals; long-term users of online banking APPs, and online banking Financial management purchase customers, agricultural planting, breeding, agricultural product processing and other users. Restaurants, mobile phone stores, small shops and other offline “code merchants” that use QR codes to collect money.

Regarding the process of downloading online merchant loans, you can first update to the latest version of Alipay, and you can see the entrances of online merchant loans and online merchant banks. Open Alipay on your mobile phone, click "My", you can see Ant Loan next to "Online Banking", then click to enter online banking, download the online banking APP, then register and apply for verification and bind bank card, Alipay can apply for a loan .

The same as the original loan, if you have more than 600 Sesame points, you can apply for a maximum amount of 10,000 yuan.

What are the formal online loan platforms?

Regular online loan platforms:

1. Yirendai, which was launched by CreditEase in 2012 and was launched by Yiren in 2015. The loan is listed on the New York Stock Exchange.

2. Renrendai is a loan platform of Youxin Financial Services Group. It was established in 2010 and is one of the earliest online loan platforms in China.

3. Lufax, a platform under Ping An of China, was established in Shanghai in September 2011 and received support from the Shanghai Municipal Government.

4. Paipaidai was established in June 2007 and listed on the New York Stock Exchange in 2017. It is China's first online lending platform.

Online lending, the foreign name is Internetlending, p2p online lending is the abbreviation of Internet lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. The number of online lending platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054.

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Loan Risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending" to support operating P2P Online lending institutions are connected to the credit reporting system.

Online lending includes individual online lending (i.e. P2P online lending) and the Internet. Individual online lending refers to direct lending between individuals through the Internet platform. Direct lending activities that occur on individual online lending platforms belong to the category of private lending and are regulated by laws and regulations such as Contract Law, General Principles of Civil Law, and relevant judicial interpretations of the Supreme People's Court. Network refers to what Internet companies provide to customers using the Internet through companies they control. Networks should abide by existing corporate regulatory regulations, leverage the advantages of online lending, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

Required conditions for online loans:

1. Have a fixed residence in the location of the lending bank, have a permanent residence or valid residence certificate, be under 65 years old (inclusive), and have full Chinese citizens with capacity for civil conduct;

2. Have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on time;

3. Have a good credit record and willingness to repay , no bad credit record;

4. Can provide legal, effective and reliable guarantee recognized by the bank;

5. Have a clear loan purpose, and the loan purpose complies with relevant regulations;

Generally, for loan types such as personal comprehensive consumption loans and personal credit loans, the conditions for applying for a loan are largely based on the individual's credit accumulation in the bank. At this time, applying for a loan Try to submit some materials that can increase your credibility, such as academic certificates, income certificates, etc. The higher the accumulated credit, the larger the loan amount.

What about e-commerce loans? What are the e-commerce loan platforms?

E-commerce loan is an Internet financial information consulting service platform under Wangrun Financial Services. It is located on 16F, Zhejiang Sanli Times Plaza, No. 538 Shaoxing Road, Xiacheng District, Hangzhou City, Zhejiang Province. It is an online lending platform and the lender is an e-commerce company. You can choose bank loans, loan company loans, online loan platforms, etc. before taking a loan, choose the platform that suits you according to your own situation.

How about e-commerce loans?

As a vertical and secure Internet financial information consulting service platform under Wangrun Financial Services, e-commerce loans rely on omni-channel e-commerce transaction data and offline real-time adjustment. The combination of unique risk control methods, supplemented by bank flow, central bank credit reporting, drawing on traditional bank territorial management and control principles and strict and effective collection methods, provides investors with safe and guaranteed investment projects, while ensuring that borrowers are stable and powerful. It effectively protects the common interests of both investment and borrowers!

What are the e-commerce loan platforms?

For e-commerce loans, you can choose bank loans, small loan company loans, private loans, online loan platforms, new e-commerce loan models, etc. Users can choose a loan platform based on loan interest rates, loan thresholds, loan amounts, loan terms, loan intermediary fees and other considerations.

Zheshang Bank E-commerce Loan

Specially issued to operators who open online stores on domestic mature e-commerce trading platforms and operate through e-commerce models. It is used for promotional stocking, Credit guarantee loans for operations, promotion, and other production and business activities.

Product Features

No mortgage required: credit, guarantee, no need to provide collateral.

Low interest rate: The interest rate is favorable, and the interest can be calculated on a daily basis according to the borrowing period, and no other fees are charged.

High quota: up to 750,000 yuan.

Simple procedures: Provide information on online store operations, and electronic documents can be used.

Highly targeted: In response to the periodic loan needs of e-commerce customers during the peak sales season, the loan limit can be temporarily increased.

Applicable objects

Outlet operators engaged in domestic e-commerce require borrowers to conduct user real-name authentication on a mature e-commerce trading platform and operate continuously for more than 2 years (inclusive), and at the same time Meet annual sales of 5 million yuan (inclusive) and above.

Application information

ID card, marriage certificate (or single certificate) and other relevant business information.

How to apply for a loan for an online store? Learn about e-commerce loans!

With the continuous development of the Internet, more and more people are starting to open stores online, which can save a lot of trouble. Doing business also requires working capital, so how do online stores apply for loans? There are many loan products for e-commerce business owners, let’s take a look at them today.

1. Online store loan application conditions

Generally speaking, merchants operating on various e-commerce trading platforms such as Taobao, Tmall, Amazon, and eBay can apply for corresponding products , this type of credit loan can be used to support its daily operations and has the characteristics of pure credit, fast disbursement, credit extension of 3 years, and repayment at any time.

Application conditions:

1. The applicant’s merchant must be a Taobao three-diamond merchant or above or operate on a mainstream e-commerce platform for more than 1 year;

2. The average monthly sales volume in the past year is more than RMB 100,000;

3. The applicant has no more than 3 loan financial institutions;

4. The applicant has a good credit record.

You can learn about related products according to the above basic application thresholds. Most online store loans have requirements for business flow and credit.

2. How to get a loan for Taobao store?

1. Click "Seller Center" and click "Taobao Loan". Or you can successfully enter the Taobao loan page after logging into the Seller Center and clicking "Loan Amount" below.

2. One is an order loan and the other is a credit loan. You can choose freely according to your needs.

3. Upgrade and complete Alipay authentication information by opening Alipay, logging in to your Alipay account, and clicking "Account Settings" - Upgrade.

4. After submission, Alipay will tell you the review results 2 days later.

In short, after applying for a Taobao store owner loan, you can click "Loan Management" to see your loan records, repayment records and other related information in real time.

The online loan platform you want for RMB 50,000 to RMB 300,000 is right here!

In 2018, all major online loan platforms have strengthened their own risk control, and the loan quotas of many platforms are not as large as before.

Some friends want to borrow 50,000 to 300,000 yuan online, but cannot find a suitable platform. Today I will introduce to you what online loan platforms are available for RMB 50,000 to RMB 300,000.

Online loan platforms that can lend loans ranging from RMB 50,000 to RMB 300,000 in the online loan market can be divided into two categories, one is for individuals and the other is for enterprises. The specific situation is as follows:

Platform for individuals

1. Baidu Youqianhua, as the online loan platform of Baidu Company, can provide individuals with credit loans of no more than 300,000 yuan. As long as the borrower's credit is good enough, he can successfully obtain an online loan of RMB 50,000 to RMB 300,000 from Baidu Youqianhua.

2. Paipaidai is a loan platform that has been listed in the United States and has a history of 11 years of online lending. The loan amount of Paipaidai is within 300,000 yuan, which can meet everyone's needs and supports 7×24 hours of service.

3. Xinfu Youdai is a loan platform owned by Xinerfu, which can help netizens obtain online loans ranging from RMB 50,000 to RMB 300,000. However, Xinfu Premium Loan quota is not shared with Xinerfu Consumer Loan and Xinfu Futures Loan.

A platform for enterprises

1. CCB Huidongni is an online loan platform of CCB, mainly serving small and medium-sized enterprises. CCB Hui understands that your loan limit ranges from RMB 50,000 to RMB 300,000, and the loan limit can reach RMB 5 million.

2. Weiyedai is an online loan platform provided by WeBank for enterprises. You can apply without paper materials. The loan limit can reach 5 million yuan, and the loan can be disbursed in as fast as 15 minutes. Therefore, it is not difficult for small and micro enterprises to apply for loans of RMB 50,000 to RMB 300,000 from Weiyedai.

3. Pudong Development Ganoderma Quick Loan is also a platform that can serve small, medium and micro enterprises. The loan amount on this platform is within 500,000 yuan, and the monthly interest rate is as low as Zhima Enterprise. If your credit score is above 1350, you can apply through Alipay.

4. Online Merchant Loan is a loan platform provided by Online Merchant Bank for enterprises, mainly targeting the majority of online store owners. For online store owners who operate with integrity, it is not difficult to borrow five to three hundred thousand from an online merchant.