Countdown loans generally require a sesame credit score of 550 or more to apply for loans. However, borrowers need to know some special features of second counting loans.

1. Regional restrictions on borrowing:

At present, there are geographical restrictions on countdown loans, and only Beijing, Shanghai, Guangzhou, Shenzhen, Qingdao, Changsha, Kunming and Lanzhou are open. So, if you want to apply for a countdown credit loan, you must be in these eight cities.

2. Credit card conditions:

Countdown loans require borrowers to hold at least one credit card;

3, mobile phone number authentication:

In addition to the above conditions, the countdown credit loan also requires the applicant's mobile phone number to pass the real-name authentication of the operator.

In the countdown loan, as long as the borrower's sesame credit score is above 550, it is generally possible to apply for a loan. However, it is also necessary to check the borrower's credit card repayment record and bill record, and the credit card is connected with the central bank's credit information. It is estimated that the second loan may also check the central bank's credit information. The official didn't make it clear, but he still kept personal credit records as much as possible so as to borrow better.