When did I get a loan?

MYbank is an operating loan launched by MYbank for small and micro enterprises and individual entrepreneurs, which is a pure credit loan without collateral and guarantee based on the operation and credit status of the operator, with fast loan disbursement and flexible borrowing and repayment.

In [Alipay] - [My] - [Online Business Loan] you can see your online business loan limit. If you need authorization on the page, click Agree to the agreement and view the limit, and then click Borrow money. You can also apply for an MYbank loan.

If you don't see the online merchant loan entrance in [Alipay] - [My], or the prompt after clicking it says that it does not support opening and using it temporarily, it means that your account is currently unable to open online merchant loan, and it is recommended that you pay attention to it in the future. Whether the online business loan can be opened is comprehensively evaluated by the system from time to time, and manual intervention cannot be made.

If you can't open an online business loan, you can consider Alipay Borrowing, Tencent Micro Loan, Du Xiaoman Financial Money Spend and other big brand credit products. Money is the credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

It generally takes three days for online business loans to arrive.

The pass rate is quite high, but it is not guaranteed to be 100%. In addition, most of the online business loans are automatically reviewed by the system. Generally, the result of the review should be given within 3 working days.

The essence of online business loan is a small loan based on credit and comprehensive evaluation of the borrower. Just as everyone lends money to a friend, they will also comprehensively evaluate the borrower's sales performance in terms of credibility, repayment ability, and use of funds.

Correspondingly, online business loans also have a set of comprehensive evaluation mechanism based on credit but not limited to credit, and it is this mechanism that determines whether different users can open it, as well as the adjustment of the available amount, and at the same time, in order to ensure the fairness and justice of each user, this mechanism is completely based on the background and cannot be intervened manually.

Therefore, based on the above, the credit score is above 600, and the account is real-name authenticated.

etc., are necessary conditions for opening online business loans.

However, whether the online business loan can be opened in the end is still subject to the comprehensive evaluation of the system, not by the number of credit scores.

The SMS for the review of online business loans is generally only available for the first loan, and there will be no SMS notification at the beginning of the second time, because the first time you borrow to verify whether it is an online business loan opened by yourself, there will generally be information no matter how much the amount is, so the content of the text message is generally to confirm whether it is the borrower and how much the loan amount is, and the information will be sent after applying for a loan.

The amount of online merchant loans is provided based on the records accumulated on the platform, because the various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic, when the behavior in a period of time is good and in line with the policy of increasing the amount of auspiciousness, the corresponding amount may be increased, on the contrary, the amount may be reduced, or even the authority to use the model service may be restricted, so you can find ways to increase the amount of online merchant loans.

However, the first opening of the online business loan is generally reviewed for three days, and the user who meets the conditions submits the active application, the review is carried out by the system, and generally speaking, the latest is notified by SMS within three working days.

Yes, as long as there is a limit for online business loans, you can borrow.

First, Alipay's online business loan business is based on the "revolving line" criterion. Therefore, as long as the previous loan amount is paid off, you can continue to apply for a loan. To be more precise, as long as you still have an available amount in your account, you can continue to apply for a loan with the remaining amount even if you don't pay it off in full.

Second, the loan amount of online merchants is not fixed and will be adjusted according to the user's comprehensive qualifications. Therefore, users need to keep an eye on their loan amount at all times.

Third, sometimes, it may not be possible to restore or reduce the limit after repayment, which may be because the system believes that the user's behavior in the previous period has credit problems and is out of risk control.

Limits may not be reinstated or reduced.

Therefore, if there is no available credit in the user's account and the credit is not restored after repayment, the borrower cannot borrow. If you want to apply for a loan again, you can only wait for the amount to recover.

Further information] The specific repayment steps of online business loans are as follows:

2.Click "Loan Management" - "Early Repayment", find the loan you want to repay in advance, and enter the amount you want to repay in the repayment interface;

3.After clicking OK, the system will directly calculate the prepayment service fee, the interest that has been paid off so far, and the total amount to be repaid.

4.Enter the total amount to be repaid and the payment password, and click OK to repay.

Operating environment: brand model: iphone13

Borrow. It cannot be opened at the same time as online business loans. Borrowing is for individual users, and online business loans are for small and micro enterprises.

and sole proprietors. Users cannot have more than one identity at the same time, so they can only get one of the application portals for borrowing or online merchant loans. If the user has completed the merchant verification, he or she can usually get the application portal for the online merchant loan.

For users who have not completed the merchant verification, they can only obtain the application entrance of borrowing. As for the loan interest rate.

It is up to the system to evaluate.

The interest is calculated from the date of the loan, and the repayment date of each month is also the date of the loan. Users must pay enough monthly repayment amount to Alipay on the repayment date to avoid affecting the repayment balance, but they will have a bad credit history.