First, the flower garden: Alipay launched the "first consumption, then payment" service, and users with sesame scores above 600 have the opportunity to apply for opening the "flower garden". At present, the amount of "flower garden" is between 2500-30000 yuan. Users can use it to shop in Tmall Mall or Taobao, and make repayment on the following month 10 after confirming receipt. As long as the payment is made on time, there is no handling fee.
Second, loan: A loan service launched by Alipay can only be opened if the score of sesame seeds is above 600, and only those who meet other conditions and have good credit can use it, so not everyone can use it. As a major product of Alipay, the loan is unsecured, unsecured, and the loan comes out in seconds. At present, the maximum amount is 300,000 yuan, the daily interest rate is 0.02-0.05%, and the longest loan period is 12 months, which can be repaid in advance.
Third, the loan platform with Ma Yun is interesting in installment: This is an installment loan service: due to the cooperation between interesting installment and Sesame Credit, people with a credit score of over 600 in Alipay can try to open it. In addition to shopping, they can also withdraw cash from your Alipay within ten minutes, provide visa-free and adjust the quota of some users with good credit.