If you are going to apply for a personal loan through China Merchants Bank, there is interest. If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply. The interest rate of "lightning loan" is determined by the system according to your comprehensive credit status. The interest rate of successful loan is the final interest rate (no handling fee), which can generally be seen in the application interface.