1. The borrower has legal and valid identification;

2. The borrower must be at least 18 years old and not more than 70 years old;

3. The borrower must have the ability to repay the online loan on time;

4. The borrower is law-abiding, honest and trustworthy, and has no illegal acts. At present, there is no criminal case or civil case against him;

5. Good credit, no overdue loans and credit cards in the name of the customer and his spouse at present, and the credit record meets the product access requirements.

Legal basis: Article 11 of the Interim Measures for Personal Loans shall meet the following conditions when applying for personal loans:

(a) the borrower is a citizen of People's Republic of China (PRC) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.