How long does the loan take?

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.

Extended data:

"Borrowing" is a credit loan service launched by 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.

2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.

2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. 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. There is no separate app for borrowing. Users must use it in Alipay and cannot trust third-party apps.

The relationship between borrowing and expenditure:

In fact, borrowing has little to do with consumption. They all belong to Ant Financial, and they are all consumer credit products on Alipay.

However, borrowing and consumption will still have a certain impact on each other. Because they are all related to sesame credit, if sesame credit is affected by improper use of loans, it will actually indirectly affect the flower buds; Or vice versa, Dallas needs a sesame credit score of 600 or more to return to the auditorium, borrow and spend flowers to apply for opening.

In addition, there is not much connection between the two. After all, the scope of use of the two is also different. Lending treasure mainly provides lending services, and users can use funds anywhere after borrowing from lending treasure. Flower buds are similar to credit cards, which provide credit lines for users to spend in advance. There is no way to transfer money or withdraw cash, and it can only be used when spending.

If users have demand, they can apply for opening both borrowing and flower buds. As for whether it can be successfully opened, it depends on the audit results of the system.