1. Applicants must be Chinese mainland citizens aged 22-55 (excluding Hong Kong, Macao and Taiwan).

2. Applicants need to provide their valid mobile phone number for real-name authentication.

3. There is a bank debit card with a real-name registered mobile phone number.

4. I need to be authorized to make a credit report (Hengyi Loan Association inquires about the applicant's personal credit record and calls back). Generally, after the applicant submits the loan application, Hengyi Loan Association will complete the review within 1-3 working days, and the payment can be made within 1-5 working days.