What is the "loan" in Alipay wallet that shows that the product can't be used for the time being?

Alipay cannot be used for the following reasons:

1. Official system problem: The borrowing page cannot be opened because the system is unstable after upgrading, or the system is being maintained, updated and tested.

2. Personal reputation problem: A large part of users can't use loans because of personal credit record problems, such as credit card failure to repay on time, financial overdue repayment such as flowers and good loans, and integrity problems of Taobao transactions.

3. The sesame credit score is low: the loan needs a sesame credit score of 600 or more to be used.

Extended data

The current application threshold is sesame score 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.

Ant Financial Services Group (hereinafter referred to as "Ant Financial Services") started from Alipay and was established in 2004. 20 14 10, Ant Financial was formally established. With the vision of "bringing small and beautiful changes to the world", Ant Financial is committed to building an open ecosystem, helping financial institutions and partners to accelerate their March into "internet plus" and providing inclusive finance services to small and micro enterprises and individual consumers through the "Internet Propeller Plan".

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.

References:

Baidu Encyclopedia: Sorry.