How can I repay the online merchant loan? Why can't I find it?

Online business loans can be repaid in the following ways:

1. Open Alipay app on your mobile phone and log in to your personal account;

2. Click "My" to enter the interface;

3. Turn down the page and you will see an online merchant loan under Ant Insurance;

4. Access to online commercial loans. In the lower left corner of the interface, there is a line of fine print showing my loan. Click to enter;

5. The loan has outstanding principal, but does not include interest. Let's click on the prepayment;

6. There are rules for prepayment. A pop-up window pops up and click OK.

7. Enter the repayment amount, and the calculated repayment principal plus interest is the amount you need to pay back;

8. Click Pay. This money won't let you choose the repayment method. Basically, where there is money, it will be deducted.

Generally speaking, online merchant loans will be automatically deducted on the repayment date. As long as your Alipay balance and Yu 'ebao have enough funds, the system will automatically deduct the repayment from noon on the repayment date 12. If the balance of Alipay and Yu 'ebao funds are insufficient for repayment, then the system will try to deduct money from Alipay Express Payment Savings Card. The savings card does not have enough funds to deduct money, which is overdue.

If the repayment is overdue, the consequences will be quite serious, mainly in the following aspects:

1, resulting in penalty interest. If the payment is overdue for more than 7 days, the bank will classify the loan as "collection" and "deferred payment", and then you must pay the late payment fee or penalty interest.

2. Pull into the blacklist and record it in the bad credit file. If you haven't paid your bill for more than three months, it's very serious. Borrowers will be recorded with bad credit records in the joint credit center, commonly known as the "blacklist", which may be retained for more than 3 years.

3. Can't enjoy preferential loans. If there are many overdue repayment records in the past loan records, even if they are not blacklisted, they may not be able to obtain the preferential interest rate of bank mortgage smoothly, or even be refused a new mortgage, in addition to the penalty interest for overdue repayment of mortgage.

4. Be sued by the bank and executed by the court. If a lawsuit is filed, the court will take property preservation measures according to the creditor's application, freeze the deposits of the lender and the loan guarantor, and seal up the corresponding real estate, vehicles and other property. After the judgment, it will be enforced according to law.