How long does it take for the borrowing application to be approved, and how long does it take for th

After submitting the application, the system will conduct a multi-dimensional evaluation and review of the user's account, and the result will generally be available within 24 hours, and the latest will not exceed 3 working days.

At present, there is no way to check the application result, but as long as the review is completed, regardless of whether it is passed or not, a text message notification will be sent to your mobile phone bound to Alipay, you just need to wait patiently.

Extended information: "Current Name Credit Loan" is a loan service launched by Alipay, and users can apply for different loan amounts according to different sesame scores. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

On November 8, 2021, it was reported that the name of Alipay's "borrowing" has been changed to "credit loan".

In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant 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 borrowing, auditing, repayment and other services will not be affected.

"Borrow" is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. Depending on the score, users can apply for loans ranging from 1,000-300,000 yuan.

At present, the consumer loans launched by e-commerce giants are mainly for installments in the consumption scenarios 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. Here's the actual experience of raising the quota:

1. Deposit Yue Bao or Zhao Cai Bao (regular), deposit 15,000+ money, and it can basically be withdrawn after 10 days, generally on the 1-10th limit;

Precautions for opening a borrowing:

Clause. 1. The sesame credit score in Alipay is the primary condition that affects the opening of the loan, as long as your sesame credit score reaches 600 points, you have the right to apply for opening.

Clause. Second, the opening of borrowing is closely related to the user's activity in using Alipay. If you want to open a loan, Alipay's activity is also an important condition, and if the activity does not reach the level, it is also difficult to open a loan.

Clause. 3. The default of the user's use of Alipay is an important factor affecting the opening of the loan. We overdrew the amount of Huabei before, and there is no repayment after the deadline, then Alipay's credit score will decline, which will not only affect your Alipay withdrawal limit, but also seriously affect the opening of the loan.

Clause. Fourth, the user's ability to repay is the most important condition. The opening of the loan will also take into account the user's ability to repay. Alipay will judge whether we can open a loan based on personal information and personal occupation.

It generally takes 3 working days to review the amount of borrowing application, and usually the amount of borrowing does not take too long, because most of the review is reviewed by the system, and many users get the credit limit on the same day when applying.

After the user gets the credit line of the borrower, the user can borrow within the credit line, and can choose the repayment method that suits him when borrowing, but he must return it on time after borrowing, and there can be no overdue repayment, because there will be penalty interest after overdue repayment, and the platform will collect at the same time.

The maximum repayment period of borrowing is 12 installments, and you should consider your income when choosing, it should be noted that the interest calculation of borrowing is calculated on a daily basis, and users can return it in advance after handling the loan, which can achieve the purpose of saving interest, but do not always repay in advance when using borrowing.

It is worth mentioning that when the user uses the loan to make overdue repayment, the overdue record will be uploaded to the credit information center by the platform, and the personal credit will affect the handling of various loans after the personal credit becomes bad, and after the overdue arrears are returned, the overdue record will be kept in the credit report for 5 years, and it will automatically disappear after 5 years.

Version information: Take the Alipay version, Apple 13 (system), and Huawei Mate40 (HarmonyOS2 system) as examples.

The review time for borrowing and applying for a quota is generally 3 working days, and the system automatically starts to complete the quota review, and many users will issue the credit line within a few minutes after applying. When applying, different users get different credit lines, and generally users who often use Alipay to scan the code to pay and buy wealth management products in Alipay get a high credit line.

When borrowing through borrowing, the maximum repayment period that users can choose is 12 installments, and they should consider their own income when choosing, it should be noted that the interest calculation of borrowing is calculated on a daily basis, and users can repay it in advance after borrowing, so as to achieve the purpose of saving interest.

It should be noted that the loan on the loan cannot be overdue, because there will be penalty interest after the overdue, and the platform will be uploaded to the Zhengluo Yuxin Center after the overdue repayment, and the personal credit will affect the handling of subsequent loans after the personal credit becomes poor, and the platform will collect when the repayment is overdue for a long time.

In order to avoid not being able to repay the loan on time after using the borrowing, it is best for the user to know what income he uses to repay when using the borrowing, if the personal income is not very much, then the borrowing should be cautious, and when the loan cannot be returned on time, the user can borrow from the friends around him to repay.

Version information: Take the Alipay version, Apple 13 (system), and Huawei Mate40 (HarmonyOS2 series quietly sold system) as examples.

The specific time required to apply for borrowing is uncertain

2.Sometimes, in case of network problems, system maintenance and upgrades, etc., the audit may be delayed, resulting in more than 24 hours of audit without results. For those who have not completed the review for more than 24 hours, users can pay attention within 72 hours.

Even if there is a delay, it can usually be completed within three working days. If the review process is delayed, users can also take the initiative to contact Alipay customer service for consultation.

However, if the user takes the initiative to apply for the loan but fails to pass it, it is recommended to apply again after 180 days. During this period, you can check the reason for the failure of the application and solve the existing problems, so that you can have a chance to open it successfully when you apply again, otherwise the application will still fail (be careful not to operate the application frequently in a short period of time, it is easier to increase the possibility of rejection).

The opening of Ant borrowing is reviewed by the comprehensive evaluation of the system, if it cannot be opened temporarily, it is recommended to pay attention patiently in the future.

It's all a routine! Out of the window twice, it was not passed.

I was so sad that I had to wait 180 days for my application to be approved.

Just after 12 o'clock in the evening, you can apply, and it will take 180 days to fail the review.

Repeat after 11 p.m.

Alipay's ant borrowing is not necessarily something that can be opened after a long period of use.

1. If the Sesame Credit score is not less than 600, if the user meets the conditions, he only needs to upgrade his Alipay wallet to the latest version, and the "Borrow" function can be used in the "Wealth" column of the Alipay wallet.

2. Borrowing is a consumer credit product of Ant Micro Loan, users with a sesame score of not less than 600 will have the opportunity to use personal consumption loans, and users can apply for a loan of up to 50,000 yuan according to the score, and the amount applied for can be transferred to the balance of Alipay. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

3. Although it is convenient and fast to use Alipay to "borrow" a loan, its interest rate is relatively not low, so remember to overdraft within your ability to avoid exceeding your repayment ability and causing adverse effects on personal credit.

How long does it take to review the loan?

Ant Borrowing is a small loan product launched by Alipay, but its lending institution is not Ant Financial nor Alipay's sibling MYbank, it is understood that Alipay's lending agency is a small loan company that cooperates with it, not a fixed one, similar to Yue Bao Wealth Management is in cooperation with Tianhong**, so the loan review of Ant Borrowing is sometimes not very fast, on the one hand, because of the audit reason of the cooperative institution, on the other hand, it is the audit of Alipay's internal credit, and under normal circumstances, Sesame credit is higher. Users who have also taken out loans on Alipay, if there is no overdue behavior, their loan review is also relatively fast, so if you want to quickly get the loan review of Ant Borrowing, you must maintain your good credit.

How long does it take for the loan to arrive.

We also mentioned above, the lending mechanism of ant borrowing, so how long does it take to get to the account, I have 750 sesame credit scores and try to borrow 10,000 yuan, and the next payment time does not exceed 10 seconds, but my colleague, Sesame credit score is only 650 points, and there has been overdue behavior before, although it has been paid off, but the loan approval is also 5 minutes before the payment, so how long does it take to borrow a loan or have a direct connection with the borrower itself.

How to open a borrowing.

It should be noted that the ant borrowing and forcing the means of opening on the Internet are all deceptive, and the opening of the borrowing and personal sesame credit score, consumption, financial management and personal relationships have the most direct connection, and the following is explained from several aspects to help you quickly pass the borrowing opening review:

1. The basic sesame credit score is at least 650 points or more, the higher the better, how to improve the sesame credit score is not much to say here, Alipay has five dimensions that can be referred to to achieve, and the more perfect the sesame credit score is, the higher the sesame credit score.

2. Often use Huabei, everyone knows that Huabei and borrowing are brothers, the more frequent the use of Huabei indicates that the individual has a greater demand for funds, and the transaction month is active, so in the case of not enough Huabei, Ant Borrowing will be opened for you.

3. Buy more wealth management products. Alipay pays attention to the freedom of collection and release, and users who can manage their finances without moonshine often have consumption concepts and will not have overdue bad credit, so Alipay is more willing to open a loan for this kind of person, because this kind of person knows how to consume moderately.