The characteristics of personal loans include: (1) There are many kinds of loans and wide uses. (2) Loan facilities. (3) The repayment method is flexible. There are many repayment methods for personal loans, such as equal principal and interest repayment method, average capital repayment method, equal ratio progressive repayment method, equal ratio progressive repayment method, combined repayment method, etc. Customers can also change the repayment method after consultation with the loan bank according to their own needs and repayment ability. (4) Low capital consumption. Compared with corporate loans, personal loans are characterized by low capital consumption.