1. Lenders should apply to bank outlets for granting small loans. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license.

2. After receiving the lender's application, the bank will review the lender.

3. Sign a loan contract with the bank through the examination and approval of the bank.

4. The bank lent money, and the lender successfully got the loan.

Two. Conditions for applying for small loans:

1, a China citizen with full civil capacity who has a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place;

2. Have a proper occupation and stable economic income, and have the ability to repay the loan principal and interest on schedule;

3. There is no bad credit record, and the purpose of the loan cannot be used for house purchase, stock trading, gambling and other behaviors;