How long can I get a loan? I have been lending.

Generally, it will arrive within two hours, subject to the arrival time of each bank shown on the loan page. There are two forms of borrowing: lending to Alipay balance or lending to bank card. The ant lends money to Alipay, and it will arrive at the account immediately, and there will be a SMS notification when it arrives.

The arrival time of the loan from the ant to the bank card is subject to the arrival time of each bank shown on the loan page, and it usually arrives within two hours. You can check the progress of the loan in the bill, subject to the time when the bank arrives.

Credit loan (formerly known as borrowing money) is a loan service launched by Ant Financial Services Group [1] relying on Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. When borrowing money, users can choose to lend money to Alipay account and bound savings bank card for personal consumption, decoration, travel and so on.

202 1, 1 1 year1October, the name of the loan was changed to "credit loan", and it was clearly stated that the service was provided by the bank.

202 1 1 28, Ant borrowed the new online quota management function, and users can adjust the quota independently. 02 1 year 1 1 month, the name of AliPay loan was changed to "credit loan", and it was clearly stated that the service was provided by the bank. Borrowing said that borrowing is gradually promoting brand isolation. Future loans will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by financial institutions such as banks will be displayed on the "Credit Loan" page. In the process of brand isolation, the user's service experience will not be affected, and the core processes such as account opening, audit, interest calculation and loan repayment will not change.

Many users want to know whether prepayment will lead to loan closure. According to the official introduction of Ant Lending Bao, early repayment will not lead to the closure of Lending Bao, because the opening and withdrawal of Lending Bao are comprehensively evaluated by the system according to all Alipay usage behaviors of users.

So what's the difference between early repayment and timely repayment? Don't worry, let's take our time.

From Alipay's point of view, your early repayment proves that you are not nervous. Use Alipay less, and charge less interest for one day. There are still so many people out there who are short of money, and the pool of loan quota is so small that you will definitely lend money to those who really need it.

On the other hand, in order to prevent someone from maliciously brushing "sesame points", Alipay has a "credit record" in the sesame credit score, and the score in the credit record can be improved by the full repayment of the ant loan treasure.