1. What are the Sesame Credit loans?

If the Zhima credit score is not less than 600 and the user meets the conditions, he only needs to upgrade his Alipay wallet to the latest version, and then he can use "Borrow" in the "Wealth" column of the Alipay wallet. "Bai" loan function.

Jiebei is a consumer credit product under Ant WeChat Loan. Users with a Zhima score of no less than 600 will have the opportunity to use personal consumption loans. Depending on the score, users can apply for a loan of up to 50,000 yuan. Apply The amount reached can be transferred to Alipay balance. The maximum repayment period of "Jiebei" is 12 months, and the daily loan interest rate is 0.045. You can borrow and repay at any time.

Although it is convenient and fast to use Alipay to "borrow" a loan, the interest rate is relatively not low, so remember to overdraft within your ability to avoid exceeding your repayment ability and causing damage to your personal credit. adverse effects.

Zhima Credit is an independent third-party credit reporting agency under Ant Financial. It uses cloud computing, machine learning and other technologies to objectively present personal credit status. It has been used in credit cards, consumer finance, financial leasing, hotels, It provides credit services to users and merchants in hundreds of scenarios such as renting a house, traveling, dating, classified information, student services, and public services.

On November 22, 2017, Sesame Credit announced an initial investment of 1 billion yuan to promote more merchants to waive deposits for users with good credit through the introduction of insurance, operational incentives and other methods.

Sesame Credit is a credit service system for society. Based on all aspects of information, it uses big data and cloud computing technology to objectively present personal credit status. By connecting various services, everyone can experience the benefits of credit. value brought.

Zhima Credit Score is a product of Zhima Credit Management Co., Ltd. It is a credit score obtained by Zhima Credit Management Co., Ltd. based on the processing, sorting and calculation of currently collected personal user information. The score range is 350 To 950, the higher the score, the better the credit level. A higher Sesame score can help individuals obtain more efficient and better services.

Zhima Credit serves every individual. In specific applications, Zhima Credit strictly follows the user authorization mechanism to safeguard everyone's right to privacy protection. At the same time, Sesame Credit advocates the concept of "circulation". Only when each of us' credit circulates and forms an orderly flow of credit information can we truly bring value to each of us, help society form a complete credit system, and truly realize “Let those who keep their word go unhindered and those who break their word can’t move forward.” Starting from every little thing as small as sesame seeds, let credit equal wealth.

2. What are the Sesame Credit loans?

1. Huabei

The limit is based on the Zhima Credit Score. The higher the Zhima Credit Score, the higher the limit. As long as the Zhima Credit Score is at a certain limit of 600, the credit limit can be opened. It can be used on the 10th of the next month

2. Borrow

Some users with Zhima credit scores of 600 or above have a long repayment period of twelve months. The interest rate is 0.04, and users with good credit can get a preferential loan interest rate of 0.03, which can be borrowed and repaid at any time.

3. Online Merchant Bank

Serving small and micro enterprises, mass consumers, and rural operators, the threshold is similar to borrowing money. The loan limit is 10,000 yuan higher, and the daily interest rate is 0 Use equal principal repayments

4. Interesting installments

Only for college students, apply separately from Zhima. The loan amount is 25, and you can find the term on Zhima Credit.

5. Anyi Hua

Immediately pay attention to Anyi Peanut in consumer finance Alipay for 500-50,000 yuan. New users only have a quota of 1,000 yuan, and require a sesame score of 620 or more.

Extended information:

1. Using the Alipay client of Android system as the material, do as follows:

Step 1: Find "Alipay" on the mobile phone desktop Apply and click to open the Alipay function.

Step 2: In the Alipay "My" function bar, click to open

Step 3: Find the "Agree Agreement and Activate Huabei" button in the jump interface, and click Enter the activation interface.

Step 4: Enter the payment password in the payment password interface.

Step 5: After completing the input, Alipay will respond according to your personal information.

At this point, after completing the above operations, you can activate Ant Huabei.

2. Use the Alipay client of the IOS system as a tool to demonstrate the operation of activating Ant Huabei:

The first step. : Click the login Alipay function homepage option and click to enter;

The second step: Find the "Sesame Credit" function option in the "My" function page and click to enter;

Third step Step: On the "Sesame Credit" function page, find the "Credit Life" function option and click to enter;

Step 4: On the "Credit Life" function option, click to enter;

The fifth step: After entering the "Finance" page, find the activation;

The sixth step: Enter "Click "Go to Borrow Money" to complete the activation of Ant Borrowing and you can start borrowing money.

At this point, the "Ant Borrowing" function has been activated.