① Open Alipay, click "My" and "Ant Borrowing";

② Enter the Ant Borrowing Interface, click the question mark icon at the top right to enter the next page;

③ Click on "How to Close Ant Borrowing" on this page, follow the prompts and enter the payment password to close the borrowing. How to close the borrowing portal

Open the mobile phone (taking Android as an example) Alipay (latest version 1.2.38.82), enter the home page and click My in the lower right corner, slide down and select Borrow, enter the borrowing page, select the three-point icon in the upper right corner, select more settings in the pop-up window, and click Close Service when you come to the settings page; In the opened page of closing the loan service, choose the reason for closing the loan according to your own actual situation, such as checking that the amount is too low and not enough, then click OK to close it, and continue to click Close the loan service in the opened page, and then enter the link of identity verification; You can successfully close the loan after you pass the brush face. Here, it should be noted that the loan may not be reopened after it is closed, and the operation needs to be cautious. < P > First, the current name of "Loan" is a loan service launched by Alipay. According to the different sesame scores, the loan amount that users can apply for varies. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is .45%. Second, on November 8, 221, it was reported that the name of Alipay's "loan" had been changed to "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to understand the actual consumer credit service providers more clearly, the consumer credit service independently provided by financial institutions cooperating with ants has been updated to "credit loan", and the name of the financial institution is displayed on the credit loan page. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.

Third, borrowing money is a loan service launched by Alipay, and the current application threshold is above 6. According to different scores, the loan amount that users can apply for ranges from 1,-3, yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is .45%, and it will be repaid with the loan < P > 4. This part of the business will naturally have an impact on the similar business of the bank. After all, the scale of several major Internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal by stages, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.

fifth, at present, the consumer loans launched by e-commerce giants are mainly aimed at the stages under the consumption scenario of the e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of raising the amount: deposit the balance treasure or lucky treasure (regularly), deposit 15,+money, and you can basically pay it after 1 days, usually on the 1 ST to the 1 th; How to close the loan

The loan is closed for no reason. In fact, it's not that Alipay doesn't want everyone to use the loan. It may be related to the following operations:

1. Always repay the loan in advance

Loan is a consumer loan, and it earns profits by charging users' interest. If repayment is often made in advance, the interest income of the platform will be reduced, which is certainly not welcome. In addition, prepayment will also allow the system to judge that users don't need funds and give the limited amount to users who need it more.

2. You don't often use debit

There are many ways to pay by mobile phone. Some people like to pay by Alipay, while others like to pay by WeChat. If you have already opened a loan, and you don't often use Alipay later, Alipay's sesame credit score will drop. You should know that borrowing is to evaluate the user's credit status through sesame credit score, and at least 6 or more can be applied for opening borrowing.

3. Repeated overdue

Needless to say overdue, this is the bottom line of all loan platforms. Repeated overdue will not only close the loan, but also enter the blacklist of the system. Everyone must pay attention.

If the loan is closed for the first two reasons, you can improve the credit score of Sesame by the following methods:

1. Improve personal information. Complementing the personal information in Alipay, complete personal credit is helpful to improve the sesame credit score, and one of the necessary conditions for opening the loan is that the sesame credit score is above 6, so the higher the sesame credit score, the better it is to open the loan again.

2. Use Alipay more. Whether you pay water, electricity, gas, shopping in shopping malls, online shopping, etc., you can use Alipay to pay. The stronger your personal spending power, the stronger your economic strength, and good economic strength is helpful for opening a loan.

3. deposit some funds into the balance treasure. Borrowing is a credit loan product, and only users with repayment ability have the opportunity to open borrowing, so putting some funds in Yu 'ebao can let the system detect the financial situation of users;

4. Use the flower bud function more. If the ant flower buds are opened, you can use the flower buds more and keep a good repayment record;

5. bind AliPay to a credit card and use Alipay's "credit card repayment" function to repay the credit card on time.

In addition to borrowing by ants, popular online lending platforms such as Youhuahua and Micro-loan are similar, and users are not welcome to repay in advance for many times. Users with Youhuahua and Micro-loan should pay attention to this. How to turn off the service

Use (Apple 11) mobile phone, system 15.4. Open Alipay (version 1.1.72) and open Ant Borrowing. In the bottom column, you can see the "Frequently Asked Questions" option. Click in to see that there is a "How to cancel Ant Borrowing". Click in to directly see the closing of the loan service. Answer the question and click OK.

1. Credit loan (formerly known as borrowing money) is a loan service launched by Ant Financial Services Group relying on Alipay. According to different sesame scores, users can apply for different loan amounts. ? The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is .45%, which can be repaid with the loan. When borrowing money, users can choose to lend money to Alipay account and bound savings bank card for personal consumption, decoration, travel and so on.

second, in November 221, the name of the loan has been changed to "credit loan", and it is clearly indicated that the service is provided by the bank.

third, credit loan is a loan service launched by AliPay, and the threshold for application is above 6. According to different scores, the loan amount that users can apply for ranges from 1,-3, yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is .45%.

Four or two loans are paid with the loan. (3) In November 221, the name of Alipay loan was changed to "credit loan", and it was clearly indicated that the service was provided by the bank. Borrowing said that borrowing is gradually promoting brand isolation. In the future, borrowing will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by financial institutions such as banks will be displayed on the "Credit Loan" page. In the process of brand isolation, the user's service experience will not be affected, and the core processes such as opening, auditing, interest calculation and borrowing and repayment will not change.

5. On January 9, 218, according to the news of Shanghai TV, Alipay's small loan product "Ant Borrowing" voluntarily closed some user accounts to control the loan balance because of excessive leverage and violation of the relevant regulatory regulations of the central bank.

6. Alipay is a third-party payment platform. It was originally a department of Taobao, a website of Alibaba Group, and officially operated independently on December 8, 24. It is a subsidiary of Ant Financial, which is independent of Alibaba Group.

AliPay has two independent brands, Alipay and Alipay Wallet. The software mainly provides payment and financial services (including online shopping secured transactions, online payment, transfer, credit card repayment, mobile phone recharge, water, electricity and coal payment, personal financial management and other fields).

in may p>221, the digital RMB wallet was expanded again, and online merchant bank (AliPay) became the seventh commercial bank to participate in the public beta pilot.