Is the Youxiandai Youke exclusive offer only available by invitation?

No.

Postal Bank Postal Loan and Excellent Customer Exclusive Offer, in the early days, you could only apply for it after signing in offline, but now it has been fully liberalized, and you can apply purely online.

Youxiandai Youkezun enjoys inviting customers to show that you are a high-quality customer in the industry. Postal Savings Bank of China will notify invited customers through text messages, phone calls, etc. The maximum limit is 200,000 yuan and the maximum loan period is 60 months.