Sesame Credit was launched in the middle of June 20 15. Users with a sesame score of more than 600 can apply for a loan amount ranging from 1000 yuan to 50,000 yuan.

Sesame Credit, which was born in "Ali Department", is a brand of Ant Financial Services Group together with ant micro-loans such as Alipay, Yu 'ebao and Zhaocaibao. Sesame Credit has recently reached cooperation with "Flower Garden" under Ant Microfinance and "Good Term Loan" under Zhaolian Consumer Finance Company. Alipay then launched the "consumption first, payment later" service, and users with sesame scores of 600 or more had the opportunity to apply for opening the "flower garden". At present, the amount of "flower garden" is between 2500-30000 yuan, and users can use it to shop in Tmall Mall or Taobao. As long as the repayment is made on time, there is no handling fee.

The sesame credit page of mobile phone Alipay has a personal information page, which can be used to supplement personal information. Perfecting information is the basic work to improve sesame credit. If you are still a caring person, you can use Alipay's "love donation" to express your love and let Sesame Credit know that you are a good person. There is a "love donation" entrance on Alipay. Using this function also helps to improve the sesame credit score.

The data sources of Sesame Credit include fixed telephone, broadband, mobile phone, gas, water and electricity and other living expenses. Rental information, relocation history, and social relations have docked the e-commerce data of Alibaba Group and the internet financial data of Ant Financial. Sesame credit is suitable for daily small capital turnover, and sesame points can be applied. Sesame score is formed by processing and evaluating massive information from five dimensions: user's credit record, behavior preference, performance ability, identity characteristics and personal relationship.