The loan rules are divided into general loan rules and special loan rules.
(1) General loan rules
Orders on AliExpress are in the form of guaranteed transactions, which must meet the dual conditions of buyer confirmation of receipt and logistics delivery. If AliExpress reasonably determines that there are risks such as disputes or fraud in the order or seller, AliExpress has the right to extend the loan period. For completed orders, AliExpress will conduct system and manual logistics verification. Only when it is confirmed that “logistics delivery is successful” will the order funds be credited to the seller’s corresponding account.
AliExpress evaluates the order loan time based on the seller’s comprehensive business conditions (such as praise rate, rejection rate, refund rate, etc.):
·Loan will be made within a certain period after delivery, and the fastest loan time is 3 days after delivery.
Loan will be made after the buyer protection period ends.
·If the account is closed and there is no violation or breach of contract, the loan will be made 180 days after delivery.
(2) Special loan rules
Before the introduction of special loan rules, under general loan conditions, if there is no delivery record for the logistics information of an order, the order amount will be frozen by the system for 180 days, starting from the day the buyer successfully pays the payment.
The so-called “special loan plan” means that after the product is shipped, the approved AliExpress sellers can immediately withdraw most of the payment by paying a certain percentage of the deposit. At present, as long as you have been operating on AliExpress for more than 6 months and meet the risk control index requirements calculated by the system, you can join the early loan plan for free.
After the seller’s order is shipped, if no special loan is applied, the platform will operate according to the general loan operation. If the buyer applies for a special loan and there is no dispute in the transaction, the deposit will be released according to the early loan deposit release schedule (see Table 5-7). If the order transaction ends (buyer confirms receipt/timeout) is less than or equal to 30 days, the deposit will be released on the 30th day after the seller ships the goods; if the order transaction ends (buyer confirms receipt/timeout) is greater than 30 days and less than or equal to 60 days, the deposit will be released at the end of the order transaction; if the order is not completed after more than 60 days of shipment, the deposit will be released on the 60th day after the seller ships the goods.
If the buyer applies for special loan and there is a dispute in the transaction, the platform will deduct the withdrawable amount or the controlled deposit and release the deposit after the transaction is completed.