Detailed explanation of AliExpress lending rules

As a global e-commerce platform, AliExpress provides convenient transaction opportunities for sellers and buyers. This article will introduce the lending rules of the AliExpress platform in detail to help sellers better understand and comply with the relevant rules.

1. Lending rules

1. General lending principles

AliExpress order lending must meet the following conditions:

• The buyer confirms receipt of the goods.
• Logistics delivery (meaning that the waybill number logistics information shows that the goods have been signed for, and the signature information matches the order information).

If AliExpress reasonably determines that the order or seller has risks such as disputes, fraud, etc., AliExpress has the right to extend the loan cycle.

2. Special lending rules

For orders that have been completed, AliExpress will conduct system and manual logistics verification. Only when the order is confirmed to be “logistically delivered” will the order’s payment be credited to the seller’s corresponding account. The special loan plan means that approved AliExpress sellers can immediately withdraw most of the payment after paying a certain percentage of the deposit after the product is shipped. Currently, as long as you continue to operate on AliExpress for more than 6 months and meet the risk control and index requirements calculated by the system, you can join the early loan plan for free.

2. Loan time

AliExpress evaluates the order release time based on the seller’s comprehensive business conditions (such as positive rating, refusal rate, refund rate, etc.):

• The loan will be issued within a certain period of time after delivery, and the fastest payment time is 3 days after delivery.
• The loan will be released after the buyer’s protection period ends.
• If the account is closed and there are no violations or breach of contract, the loan will be released 180 days after delivery.

3. Loan methods

The AliExpress platform has different lending policies for normal accounts and closed accounts:

• Normal account: advance loan, the loan ratio is 70%-95%, the ratio varies according to the account’s operating performance; general loan, the loan ratio is 100%.
• Close account: the loan ratio is 100%.

4. Loans under special circumstances

If AliExpress determines that the order or the seller has risks such as disputes, chargebacks, fraud, etc. based on reasonable grounds, AliExpress has the right to delay the loan cycle and process the order payment depending on the specific circumstances.

5. Special loan plan

Sellers who enjoy special loan services will not be eligible for special loans for every order. If the order is abnormal or suspected to be abnormal (or there are circumstances that the platform deems unsuitable for special loans), the platform has the right to refuse to arrange special loans. .

6. Precautions

• The reason for the change in the account’s loan time and method is that the system will assess the seller’s data indicators on the 3rd of every month, and determine the seller’s loan time and method for this month based on the overall operating conditions.
• The solution to the situation where the loan limit is full is that the seller can use a stable and efficient logistics method, and ask the buyer to confirm receipt of the goods in a timely manner after the buyer receives the goods; when the buyer confirms receipt of the goods or the order times out, the order The quota will be released, and other orders after shipment can be disbursed.

The above content integrates AliExpress lending rules from multiple articles, hoping to help sellers better understand and apply these rules.