How long can I get the Alipay loan?

When choosing a collection account, you can choose Alipay balance or bank card, which will arrive at the account at different times.

1. Loan balance of Alipay account: it will be received immediately. After the borrowed money arrives, the user will be reminded by SMS. You can check the details of the loan receipt in my balance.

2. Lending to a bank card: it will arrive within two hours or the next day. Because each bank card has a different time to handle business, the arrival time of the bank card is subject to the page display. If you borrow money in the middle of the night, the time for lending may be delayed.

Credit loan (formerly known as Lending Bao) is a loan service launched by Ant Financial Services Group 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. Credit loan is a loan service launched by Alipay, and the application threshold is above 600.

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. On October 28th, 20021year 65438+1year, Ant borrowed the new online quota management function, and users can adjust the quota independently.

1October 202 1, 1 1, Alipay changed its name to "credit loan", and clearly indicated 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.

There is a three-day grace period for ants to borrow, but at most three days. After this time, 99% will have adverse effects.

Excuse me. What are the consequences of overdue?

1, telephone collection. If it is overdue for 3 days, the customer service will gradually call to remind the repayment, as long as it is paid off in time.

2. Freeze quotas. Generally more than loans overdue *, or more than half a month. It is possible that the loan will be closed and the loan can only be borrowed again.

3. Reduce sesame seeds. If the overdue time is long, the sesame branch will drop by a few points to dozens of points. Don't underestimate sesame seed points, which will affect the entire Alipay system and have a great impact.