, China Guangfa Bank. Guangfa e-second loan under Guangfa Bank is a pure credit loan product. For office workers with good personal credit, it is relatively easy to apply. Generally, as long as their personal qualifications meet the requirements, the approval results will be issued within 1 working day at the earliest.

Second, Shanghai Pudong Development Bank. Generally, as long as the borrower holds the debit card or credit card of Shanghai Pudong Development Bank, he can try to apply for credit loan products such as bank loan, universal fund and elite loan. Usually, as long as users have good personal qualifications and stable income, they can apply.

Third, Minsheng Bank. Personal credit loan products under Minsheng Bank can be approved within 10 working days as long as users can provide stable work certificates, income certificates and good personal credit.

4. Ping An Bank. Ping An Bank's new loan is also an online credit loan product. As long as the user's personal credit is good and has a certain repayment ability, the audit is also faster.

Generally speaking, the loan approval of joint-stock banks is relatively lower than that of the four major banks, and the speed is relatively faster.