1. Loan Release Rules
Loan Release Time. AliExpress evaluates the order release time based on the seller’s comprehensive business performance (for example, data indicators such as disputes, evaluations, and refunds).
① Release the loan 3 to 5 days after delivery;
② Release the loan after the buyer protection period ends (the buyer protection period ends, which means the buyer confirms receipt/the buyer confirms receipt after the expiration of 15 days);
③ Release the loan 180 days after delivery.
2. Loan Release Method
(1) Normal account: Early loan release, the loan ratio is 70% to 95%, and the ratio varies according to the account’s business performance; general loan release, the loan ratio is 100%.
(2) Account closed, the loan ratio is 100%.
3. Common Problems
(1) Changes in the account’s loan release time and method.
Reason: The system will assess the seller’s data indicators on the 3rd of each month and determine the seller’s loan release time and method for the month based on the overall business performance.
Example: In April, the loan release time for seller A was 35 days after delivery. On May 3, the assessment data indicators did not meet the requirements. The system automatically adjusted the loan release time for the seller’s delivery orders to after the buyer protection period ended.
(2) For sellers who release loans after delivery, not all orders can enjoy the loan release after delivery.
Reason: The platform identified that the single order was abnormal or high-risk. Each seller will have a loan limit. When the loan limit reaches the upper limit, the delivery order must also be released after the buyer protection period ends.
Example: The assessment result of the account this month is that the loan will be released 3 to 5 days after delivery. Some orders will be released after delivery, while some orders will be released after the buyer protection period ends.
(3) Solution for the situation where the loan limit is full. Sellers can use stable and efficient logistics methods and ask buyers to confirm receipt in time after receiving the goods: when the buyer confirms receipt or the order times out, the order limit will be released and other orders after delivery can be released.