For blacklisted loans, you can: find a loan company. Loan companies usually don't value an individual's credit, but rather the collateral. If the borrower obtains a loan through a loan company and can provide collateral, it will be easier to obtain funds. In this case, the loan company may ask the borrower to provide more proof of repayment ability when applying for a loan. For example, it will pass an inspection The pre-loan review will be more stringent depending on whether there is collateral in the borrower's name, whether there is real estate, whether the nature of the job is stable, etc. At the same time, if a black bank account applies for a loan, the lending institution may increase the borrower's loan interest rate or reduce the borrower's loan amount, depending on the situation. If a bank account holder wants to apply for a loan, he or she can try to apply for a loan from a bank through a local loan company. This is one of the channels for a bank account holder to apply for a loan, or private lending.

If you don’t want to take out a loan like this, you can only get another loan after 5 years. The promulgation of the "Credit Management Regulations" will provide an opportunity for people with default records to repair their credit. If there are no bad records within five years after being blacklisted, the credit will be automatically canceled after five years.