AlipayClient alipayClient = new DefaultAlipayClient("https://openapi.alipay.com/gateway.do","app_id","your private_key","json","GBK","alipay_public_key","RSA2");
AlipayCreditAutofinanceLoanApplyRequest request = new AlipayCreditAutofinanceLoanApplyRequest();
request.setBizContent("{" +
"\"uid\":\"2088011463289XXX\"," +
"\"version\":\"9.2.0\"," +
"\"orgcode\":\"DSCAR\"," +
"\"verifyid\":\"componentVerify_a8e73872c3174af7a2c6a0faba8d1181ffGZ00B_ic\"," +
"\"itemid\":\"201608232387xxx\"," +
"\"area\":\"杭州市\"," +
"\"outorderno\":\"201608232319\"," +
"\"backurl\":\"https://dasouche.com/xxx\"," +
"\"extparam\":\"{\\\"firstpayamt\\\":3000000,\\\"firstpayprop\\\":15,\\\"lastpayamt\\\":12000000,\\\"loantenor\\\":36,\\\"monthpayamt\\\":220779}\"" +
"}");
AlipayCreditAutofinanceLoanApplyResponse response = alipayClient.execute(request);
if(response.isSuccess()){
System.out.println("调用成功");
} else {
System.out.println("调用失败");
}

IAopClient client = new DefaultAopClient("https://openapi.alipay.com/gateway.do", "app_id", "merchant_private_key", "json", "1.0", "RSA2", "alipay_public_key", "GBK", false);
AlipayCreditAutofinanceLoanApplyRequest  request= new AlipayCreditAutofinanceLoanApplyRequest() ;
request.BizContent="{" +
"\"uid\":\"2088011463289XXX\"," +
"\"version\":\"9.2.0\"," +
"\"orgcode\":\"DSCAR\"," +
"\"verifyid\":\"componentVerify_a8e73872c3174af7a2c6a0faba8d1181ffGZ00B_ic\"," +
"\"itemid\":\"201608232387xxx\"," +
"\"area\":\"杭州市\"," +
"\"outorderno\":\"201608232319\"," +
"\"backurl\":\"https://dasouche.com/xxx\"," +
"\"extparam\":\"{\\\"firstpayamt\\\":3000000,\\\"firstpayprop\\\":15,\\\"lastpayamt\\\":12000000,\\\"loantenor\\\":36,\\\"monthpayamt\\\":220779}\"" +
"}";
AlipayCreditAutofinanceLoanApplyResponse response=client.execute(request);
Console.WriteLine(response.Body);

$aop = new AopClient ();
$aop->gatewayUrl = 'https://openapi.alipay.com/gateway.do';
$aop->appId = 'your app_id';
$aop->rsaPrivateKey = '请填写开发者私钥去头去尾去回车，一行字符串';
$aop->alipayrsaPublicKey='请填写支付宝公钥，一行字符串';
$aop->apiVersion = '1.0';
$aop->signType = 'RSA2';
$aop->postCharset='GBK';
$aop->format='json';
$request = new AlipayCreditAutofinanceLoanApplyRequest ();
$request->setBizContent("{" .
"\"uid\":\"2088011463289XXX\"," .
"\"version\":\"9.2.0\"," .
"\"orgcode\":\"DSCAR\"," .
"\"verifyid\":\"componentVerify_a8e73872c3174af7a2c6a0faba8d1181ffGZ00B_ic\"," .
"\"itemid\":\"201608232387xxx\"," .
"\"area\":\"杭州市\"," .
"\"outorderno\":\"201608232319\"," .
"\"backurl\":\"https://dasouche.com/xxx\"," .
"\"extparam\":\"{\\\"firstpayamt\\\":3000000,\\\"firstpayprop\\\":15,\\\"lastpayamt\\\":12000000,\\\"loantenor\\\":36,\\\"monthpayamt\\\":220779}\"" .
"}");
$result = $aop->execute ( $request); 

$responseNode = str_replace(".", "_", $request->getApiMethodName()) . "_response";
$resultCode = $result->$responseNode->code;
if(!empty($resultCode)&&$resultCode == 10000){
echo "成功";
} else {
echo "失败";
}

https://openapi.alipay.com/gateway.do?timestamp=2013-01-01 08:08:08&method=alipay.credit.autofinance.loan.apply&app_id=4915&sign_type=RSA2&sign=ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE&version=1.0&biz_content=
  {
"uid":"2088011463289XXX",
"version":"9.2.0",
"orgcode":"DSCAR",
"verifyid":"componentVerify_a8e73872c3174af7a2c6a0faba8d1181ffGZ00B_ic",
"itemid":"201608232387xxx",
"area":"杭州市",
"outorderno":"201608232319",
"backurl":"https://dasouche.com/xxx",
"extparam":"{\"firstpayamt\":3000000,\"firstpayprop\":15,\"lastpayamt\":12000000,\"loantenor\":36,\"monthpayamt\":220779}"
  }

//为确保安全通信，需自行验证响应示例中的sign值是否为蚂蚁金服所提供。

{
	"alipay_credit_autofinance_loan_apply_response":{
		"msg":"Success",
		"needauth":true,
		"code":"10000",
		"outorderno":"201608232319",
		"applyno":"20190825300000123083510"
	},
	"sign":"ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE"
}

{
	"alipay_credit_autofinance_loan_apply_response":{
		"msg":"Service Currently Unavailable",
		"code":"20000",
		"sub_msg":"系统繁忙",
		"sub_code":"isp.unknow-error"
	},
	"sign":"ERITJKEIJKJHKKKKKKKHJEREEEEEEEEEEE"
}