Where is the online merchant loan mailbox?

You can log in to Alipay to find an online merchant loan mailbox, and the APP will be opened in Alipay APP. However, only those who meet the relevant qualifications can open the qualification for online business loans. You can check it online. At present, as long as you submit your personal information and any ID card, the loan will be successful. The system will verify the borrower's qualification according to the relevant situation, and the online merchant's loan mailbox can also receive SMS after the loan is successful.

First, why choose online lending?

College students, unemployed people, or people with heavy debts and poor qualifications can apply, which relaxes the restrictions on age, assets, credit information and other conditions, greatly reduces the entry threshold for loans and attracts more low-end users. Friends who apply for online loans are generally short of money, and the online lending platform captures the psychology of users, so borrowing money through online lending platforms is usually very fast. In contrast, the review process of online loans is very simple. Generally, you only need to take your ID card as collateral, and you can easily get a loan of1-20,000 yuan without checking the credit record or mortgage. Many friends were attracted by the publicity of the platform when they made online loans. The general online lending platform only displays the daily interest rate or monthly interest rate, such as "loan 1 000 yuan, and the daily interest rate only needs 0.5 yuan", which creates a very cost-effective illusion for users and makes them feel that there is no repayment pressure. But in fact, this low daily interest rate often corresponds to a high annual interest rate. Take "loan 1000 yuan, and the daily interest rate is only in 0.5 yuan" as an example, and the corresponding annual interest rate reaches 18%.

Second, the harm of online lending

For people who are not deeply involved in the world, due to lack of social experience, if they can easily get loans, it is easy to form a bad consumption concept, and eventually they will borrow more and more, and eventually they will be unable to repay. Online lending platform is no better than banks. Although the law stipulates the interest requirements for loans, the interest of the platform is often the highest interest standard. For borrowers, if they can't repay in time, interest will cause the greatest harm. When borrowers apply for loans on the platform, they will submit some personal privacy information to the platform. As for the loan platform, due to the diversity of the platform, we often can't guarantee the legal operation of the platform, which will easily lead to the disclosure of our private information.

Finally, try not to make online loans when it is unnecessary. The best way is not to contact online loans. However, if you do encounter some troubles and need money urgently, you can choose to make online loans through formal platforms to avoid choosing some illegal platforms.