How to close the Alipay online merchant loan can be closed in three simple steps.

1. Open Alipay APP and click "My" to enter;

2. Slide to the bottom and select "My Customer Service". After entering, select "Online Consultation";

3. After consulting the relevant questions about closing the online merchant loan, there will be an option to apply for closing the online merchant loan. After clicking, there will be a reminder whether to close the online merchant loan again, and then click "OK". In a few working days, the online merchant loan can be closed.

The above is how to close the related content of Alipay online business loan.

Why can't online merchants get loans?

1. When users use online merchant loans, loans overdue appears, which directly affects the loan application of online merchant loans. Under normal circumstances, after lending to loans overdue, online merchants will not make the next payment to users, and in the process of repaying loans, users are not supported to use active repayment, and only the fees can be deducted automatically;

2. When users apply for online business loans, their personal credit situation has changed. For example, there is a bad credit record on personal credit information, which will lead to the failure of online merchant loan application submitted by users;

3. In the process of applying for online business loans, if the network is not good or the system judges that it is operating in a risky situation, it will also lead to the failure to apply for loans successfully.

If users don't know the specific reasons, they can consult the online customer service staff of online business loans and find a solution later. However, it should be noted that if the loan fails due to the user's personal credit information, it is impossible to apply for a loan before the personal credit information is restored.

What is the impact of credit reporting on Alipay online business loans?

1. If the user's application for online merchant loan is rejected for many times, there will be records of multiple rejections in personal credit information, which makes it more difficult for the user to obtain loans from other lending institutions;

2. Once the situation in loans overdue happens, it will affect personal credit information and the next loan application of users. If the situation in loans overdue is very serious, users will not get loans in the future;

3, leaving a bad repayment record, requiring a high down payment or even buying a house and car in full, the pressure of life will be very great, and the quality of life will be reduced;

4. If there is a record of online merchants in loans overdue, users are likely to lose the qualification to participate in the auction, and they cannot gain the trust of their partners in business negotiations.

This article is mainly about how to close the relevant knowledge points of Alipay online business loan, and the content is for reference only.