1. In Alipay, open "My". If your sesame credit score is above 600, you will have the opportunity to open "borrowing Bai", just behind "flower Bai".

2. If you have a loan amount, click "Ant Borrow" and select "I want a loan".

3. A loan interface appears, clearly stating the amount that can be borrowed, the term 12 months, the daily interest rate of 0.05%, and the Alipay account where you received the money. Please read these instructions carefully before borrowing money.

4. For example, if you enter a loan 10 yuan with a daily interest rate of 0.05%, the annual interest will be 0.93 yuan. If the repayment plan is 12 months, the total principal and interest will be 10.93, and it will be paid off in minutes 12 months. If you need more money urgently, borrowing it can help you solve your urgent need.

5. After entering the loan amount, click "Confirm Use".

6. At this time, you need to enter the Alipay payment password. Click "Confirm" after the input is completed.

7. After entering the password correctly, "Verification Successful" will be displayed.

8. Then the application result comes out, and the loan amount is usually in your Alipay balance within 3 minutes.