这个是不需要的，你从支付宝先点进去蚂蚁借呗，可以从我的里面进入，也可以在搜索框搜索蚂蚁借呗进入，进入会出现如下界面
/iknow-pic.cdn.bcebos.com/a2cc7cd98d1001e92c587943b60e7bec54e79711"target="_blank"title="点击查看大图"class="ikqb_img_alink">/iknow-pic.cdn.bcebos.com/a2cc7cd98d1001e92c587943b60e7bec54e79711?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto"esrc="
https://iknow-pic.cdn.bcebos.com/a2cc7cd98d1001e92c587943b60e7bec54e79711"/>
再点击去借钱，会出现如下界面
/iknow-pic.cdn.bcebos.com/203fb80e7bec54e72c177752b7389b504ec26a86"target="_blank"title="点击查看大图"class="ikqb_img_alink">/iknow-pic.cdn.bcebos.com/203fb80e7bec54e72c177752b7389b504ec26a86?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto"esrc="
https://iknow-pic.cdn.bcebos.com/203fb80e7bec54e72c177752b7389b504ec26a86"/>然后你选择好金额，选择好分几期偿还，以及还款方式，再输入你的支付宝支付密码就可以了
/iknow-pic.cdn.bcebos.com/024f78f0f736afc3e81b5329bd19ebc4b7451262"target="_blank"title="点击查看大图"class="ikqb_img_alink">/iknow-pic.cdn.bcebos.com/024f78f0f736afc3e81b5329bd19ebc4b7451262?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2Cq_85%2Fformat%2Cf_auto"esrc="
https://iknow-pic.cdn.bcebos.com/024f78f0f736afc3e81b5329bd19ebc4b7451262"/>
借款成功，全程是不需要短信验证码的，只需要支付密码就可以了