How to use Sesame Credit Score for loans?

I believe everyone is familiar with Sesame Credit Score in Alipay. Sesame Credit is a third-party credit agency under Ant Financial. The higher the user's Sesame score, the better the credit rating. The biggest function of Zhima Fen is to apply for loans. So, how to use Zhima Fen loan?

1: Jiebei

Zhima Credit and Ant Micro-credit cooperate on "Jiebei", and the application threshold is that Zhima points are above 600. Depending on the score, the loan amount that users can apply for ranges from 1,000 to 50,000 yuan. The maximum repayment period is 12 months. The expected annualized interest rate on the loan date is completely based on Zhima Credit Score for credit review. After passing the review, you can get the loan within 3 seconds.

Two: Easy to borrow money

Guangfa Direct Bank Youmi Finance and Alipay have jointly made it easy to borrow money. With a Zhima score of more than 700, you can apply for a loan of up to 200,000 yuan. Above 700 points: The daily expected annualized interest rate range is: The daily expected annualized interest rate range is. Ultimately, your expected annualized interest rate will be comprehensively evaluated based on your credit situation.

Three: Taoqianbao

There are many microfinance products that can also be borrowed through Sesame Fen. These products are often listed on some comprehensive loan platforms, such as Taoqianbao. Qian Bao. Users can apply for a credit loan by submitting simple information and authorizing Zhima Credit Points. Of course, the higher the sesame score, the higher the credit limit obtained.

Four: Haoqidai

Zhima Credit Score cooperates with "Haoqidai" under China Merchants United Finance, and you can only apply if you have a Zhima Credit Score of 700. The expected annualized interest rate of "China Merchants Union·Haoqi Loan" is the maximum amount of 200,000, and the amount can be recycled within 3 years, and the maximum borrowing period is 60 months. No mortgage or guarantee is required, and the loan is obtained purely based on personal credit. Extremely fast lending, borrowing and repaying money at any time, as fast as 1 minute.

Five: Laifen

Alipay has joined forces with Laifen to provide children’s shoes with a Sesame score of 600 and above, providing a credit limit of up to 200,000 yuan without an interview. This service covers the entire country. 99 colleges and universities can also enjoy 30 days of interest-free payment.

Finally, I would like to remind everyone: Although it is convenient and fast to use Sesame Fen loan, its expected annualized interest rate is relatively not low, so remember to overdraft within your ability to avoid exceeding your repayment ability. Have a negative impact on personal credit.

Sesame Credit loan operation process

Simple process

1. Open Alipay, find "Sesame Credit" in the "Home Page" and click to open;

2. The "Sesame Credit" interface will display the user's Sesame Credit score

3. The loans opened by Alipay include "Ant Borrowing" and "Huabei"

Detailed steps

Because all Sesame Credit loan applications are based on Alipay, you must first prepare an Alipay wallet on your mobile phone. After logging into Alipay, click "Wealth" in the lower right corner, first select Sesame Credit Score, and Evaluate your own Sesame Credit Score. The Sesame Credit score directly determines whether you can use Sesame Credit loans and the amount you can get.

After the assessment is completed, those who meet the requirements can choose to apply for a loan. There are "Huabei", "Haoshidai" and "Jiebei" to choose from on Alipay. "Huabei" and "Jiebei" require a Sesame Credit score of 600 or above, while the benchmark for "Haoshidai" is 700. Sometimes There will be activities to lower the requirements for Sesame Credit points. After selecting, follow the prompts to complete the preparations, and you will be able to obtain the corresponding loan amount, which can then be used according to regulations.

How to get a loan with Zhima Score

Zhima Credit Score is Zhima Credit’s comprehensive processing and evaluation of massive information data. Users with a Zhima Score of 600 or above can apply for loans such as Borrowing.

Borrow me, the current application threshold is a sesame score of 600 or above. Depending on the score, the loan amount that users can apply for ranges from 1,000 to 50,000 yuan. The maximum repayment period of Borrowing is 12 months, and the daily interest rate of the loan is 0.045. You can borrow and repay at any time.

Sesame Credit loan process:

1. Open Alipay;

2. Search the service window for the loan service number;

3. Follow Create a good loan service account and enter;

4. Fill in personal information and authorize login;

5. Fill in the loan application and select the loan amount and term;

6. Wait for review and loan release.

Zhima Dai recently launched a new product, Zhima Xiaoqian. All users with a Zhima score of 600 or more in Alipay can apply. The amount is 500-10,000 yuan, and the cycle is 1 week to 3 months. Zhimafen loans are generally disbursed on the same day and will arrive in your account within 30 minutes at the fastest. Application process:

1. Click: Read the original text and register;

2. Click: Sesame Money;

3. Fill in: personal application form and upload pictures , complete the application.

How can I get a loan based on my Alipay credit score?

What is the credit level of Alipay to get a loan?

Alipay credit can only prove how many goods you have traded and how much you have received. Good reviews, medium reviews, bad reviews. It has nothing to do with loans, because Alipay is not a banking institution. It only allows buyers to evaluate your goods information as a seller during transactions. Generally speaking, high evaluation, especially high praise, will attract customers to buy things

Can I use my Zhima Credit Score in Alipay to get loans in Alipay? If so, how many points will it take? 20 points

Generally above 600 points, it depends on the situation. I don’t often use Alipay. When my credit reaches 583, I will get a message saying that I can get a loan

How to get a loan with Alipay Sesame Credit mobile version Alipay Sesame Credit score loan method

Alipay

Sesame Credit 650 or above

Method/steps

Log in to your Alipay account and click on the main interface "Sesame Credit".

Then you can see your Sesame Credit score. If it is not 650, you can click "Credit Improvement" and complete related tasks. If so, click Credit Life in the lower right corner.

Then in the financial column, you can see the picture of "Good Period Loan" and click to enter the authorized login. Of course, those who don’t have an account need to register an account first.

After authorizing and logging in to the term loan, click on the limit in the navigation, and then click "Apply for Limit". Then fill in the information carefully and click Apply.

After applying, the approval result will be available soon. It may have failed the first few times. You can apply multiple times. I also applied four or five times before getting approved.

After passing the application, you can apply for a loan. The loan can be repaid in 3, 6, or 9 installments. Personally, I think the interest rate is quite expensive.

Use Alipay credit points for loans

Applying conditions:

1. Have a fixed residence in China, have a permanent residence in a local town, and have full civil capacity. Chinese citizens aged 18-65;

2. Have a legitimate and good occupation with stable economic income, and have the ability to repay the principal and interest of the loan on time;

3. Abide by the law and have no Illegal behavior and bad credit record;

4. The purpose of the loan is clear, in compliance with national regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

How can I get a loan with an Alipay credit score of 606?

You cannot get a loan with just a Zhima score. Don't do it blindly.

Documents required for the loan:

1. Identity cards of the borrower and his wife;

2. The borrower’s household registration book/non-residents need temporary residence permit and household registration book ;

3. Marriage certificate/divorce certificate or judgment/single certificate;

4. Proof of income;

5. Education certificate;

6. Bank statements;

7. Other properties;

8. A copy of the business license of the unit (with official seal);

9 , certificate of deposit, etc.;

10. If the borrower is a corporate legal person, it must also provide an annual inspection business license, tax registration certificate, organization code certificate, corporate articles of association, and financial statements;

11. Other information required by the bank.

What is the Alipay Zhima credit score required to get a loan?

Hello! A credit score of 650 or above is considered excellent and you can apply for a loan. Hope it helps you, please adopt!

How to get a loan with Alipay Zhima credit score of 580

How much is needed?

How to get a loan in the latest version of Alipay

Alipay loan business "borrow" in Alipay, as long as you are a Sesame Credit user, you can apply for a personal consumption loan of the corresponding amount with your Sesame points. , you can get up to 50,000 yuan. This is equivalent to a credit loan (). 1. Open your Alipay wallet and click "Wealth" to view Zhima Credit Score

How to borrow money with a Zhima Credit Score of 580 on Alipay

Ant Jiebei in Alipay provides real-time borrowing services. After the loan is successful, the funds The account balance will be reached within 3 minutes. Currently, borrowing is evaluated based on the comprehensive situation of the Alipay account. It is recommended to use more Alipay accounts. Alipay will re-evaluate the Alipay account in real time, and will give the corresponding amount if it meets the requirements. ;

Can I get a loan with my Alipay credit score?

Hello, I am happy to answer your question

Yes, there is a portable loan in the mobile Alipay wallet, which can be used according to the Sesame Credit Loan, the higher the score, the more you can borrow

Where can I get a loan from Sesame Credit_How can I get a loan from Sesame Credit

Sesame Credit is an independent third-party credit agency under Ant Financial. An individual's credit status is objectively presented through cloud computing, machine learning and other technologies. So, where and how to get a Sesame Credit loan?

1. Online Banking Loans

Online Banking was opened by Jack Ma and is an affiliate of Ant Financial, a subsidiary of Alibaba. You can download this APP to get a loan and register for facial recognition. Apply for a loan limit of up to 200,000, as well as high-quality services such as financial management and transfer.

2. Jiebei Loan

Have you not opened Ant Jiebei? Click on the secrets for activating Ant Jiebei and you will suffer a big loss if you don’t read it! Open Alipay, find the wealth column, and find the words "Ant Borrowing". After clicking to enter the page, you can intuitively see your loan limit. Fill in the relevant information, and within 1 minute, you can get a loan of the corresponding amount. At present, the maximum amount of "Borrowing" is 50,000 yuan, the maximum repayment period is 12 months, and the daily interest rate is 0.04. You can borrow and repay at any time.

3. P2P company loans

Zhima Credit partners (P2P companies, small loan companies, etc.) will also open VIP green channels for them. You can use Zhima Credit to get faster and more High-quality credit review services, as well as credit limit increases and preferential repayment services, such as: Paipaidai, Credit Wallet, Ping An Puhui, Flash Silver, etc.

4. China Merchants Union Haoqidai

Zhima Credit cooperates with "Haoqidai" under China Merchants United Finance. Open Alipay and find the entrance to "Zhima Credit" in your Alipay wallet. , click "Credit Life", and you can see the words "China Merchants Union Haofeng Loan" in the finance column! The annual interest rate of "China Merchants Union·Haoqi Loan" is 17.8, the maximum amount is 200,000, the amount can be recycled within 3 years, and the maximum loan period is 60 months. No mortgage or guarantee is required, and the loan is obtained purely based on personal credit. Extremely fast lending, borrowing and repaying money at any time, as fast as 1 minute.

The quota is mostly 10,000-30,000!

5. Fun installments, Lai installments

As a college student who is the main force on Taobao, Jack Ma’s father very considerately opened a college student area, providing college students with visa-free and 9,000 yuan. The credit limit, this service covers 99 colleges and universities across the country, and you can also enjoy 30 days of interest-free. Users only need to find the entrance of Zhima Credit, click on the credit life column, and you can see the words "College Student Zone". Happiness comes too soon. Like a tornado.

In addition, "Alibaba" has also launched a "credit stay" hotel service plan based on Zhima Credit. Users can enjoy "zero deposit" check-in and other services when booking a hotel. On Alibaba Travel's "Quaa" e-visa platform, users with a Sesame score of more than 700 can apply for a Singapore visa without providing proof of employment, personal information form, household register, copy of ID card and other information.

How to get a loan from Sesame Credit

Step 1: Use mobile Alipay and log in, click more as shown below:

Step 2: Update Click here to see small and micro loans, click to enter.

Step 3: See that under My Loans there are projects that are eligible for account loans. As shown in the picture below, this account can lend an equal amount of principal (12 months). Others do not meet the application conditions. Click Loan Equivalent Principal (12 Months) to enter.

Step 4: Enter the detailed introduction of the loan with equal principal amount (12 months) and you can see the daily interest rate, repayment period, and repayment rules. You should carefully read the repayment rules, which are related to your interests. If you understand them clearly, click to apply for a loan.

Step 5: The lender information uses the information during Alipay authentication. If it prompts that it needs to be improved, just click to enter and complete it.

Step 6: Enter the amount you applied for and the information verification code, and finally click Submit Application. If you can apply, you can usually get a loan.

Extended information:

Increase the loan limit of Sesame Credit

1. Because Sesame Credit is a type of credit, you can use credit cards to repay using Alipay. The payment is made, and binding a credit card is also very important for Zhima score, so if you have a credit card, be sure to remember to bind it.

2. Alibaba’s e-commerce department, Tmall, Taobao, Juhuasuan and other shopping accumulative quotas, shopping categories, return and exchange records, and even Alibaba Wangwang’s chat records are all important scoring criteria for Sesame Credit.

3. Using Sesame Credit Line to purchase things is also a very important way to increase your Sesame Credit Line.

4. When paying gas bills, water and electricity bills at home, it is also best to use Alipay, because this can also greatly improve your Zhima credit.

5. If you have a lot of Alipay friends, it can also add points to your Sesame Credit score. It is recommended to add all the numbers in our mobile phones as Alipay friends.

6. When using Yu'e Bao and Zhaocai Bao, the greater the amount invested, the more businesses are used, the more frequently, and the higher the score.

7. The last thing is to maintain a good personal credit record.