支付宝可以借钱。
以IOS系统支付宝客户端为工具，做示范操作如下：
1、点击登录支付宝功能首页，找到右下方“我的”功能选项，点击进入；
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2、在“我的”功能页中找到“芝麻信用”功能选项，点击进入；
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https://iknow-pic.cdn.bcebos.com/f11f3a292df5e0fe43c30cf7526034a85fdf7269"/>
3、在“芝麻信用”功能页面中，找到“信用生活”功能选项，点击进入；
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https://iknow-pic.cdn.bcebos.com/80cb39dbb6fd5266cec7b9e2a518972bd5073653"/>
4、在“信用生活”功能页中，找到页面上方的“金融”功能选项，点击进入；
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https://iknow-pic.cdn.bcebos.com/ac6eddc451da81cb220a063b5c66d01608243153"/>
5、进入“金融”页面后，找到“借呗”功能选项，点击进入开通；
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https://iknow-pic.cdn.bcebos.com/cefc1e178a82b9010f4146c57d8da9773812ef5c"/>
6、进入“借呗”功能页面后，点击“去借钱”即完成蚂蚁借呗的开通，并可以开始借款了。
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https://iknow-pic.cdn.bcebos.com/e824b899a9014c080d01b053047b02087bf4f40a"/>
至此，已完成开通“蚂蚁借呗”功能，可以进行支付宝贷款了。