Is it necessary for Alipay-bound mobile phones to send verification codes?

You don't need this. You can click Ant Borrow from Alipay first. You can borrow it from my input or search for ants in the search box. After entering, the following interface will appear.

Click borrow money again, and the following interface will appear

Then you choose the amount, installment and repayment method, and then enter your Alipay payment password.

If the loan is successful, you don't need SMS verification code, just pay the password.