If you have a stable job and income and no bad overdue repayment record, you can apply for personal credit loans. Generally, you need an ID card, proof of work income and proof of residence (renting a house is also acceptable). The specific amount is calculated according to your monthly income, which is generally 4-8 times of your monthly income and not more than 10 times. The interest rate rises according to the benchmark interest rate stipulated by the bank. The general loan term is 6 months, 1 year, 2 years, 3 years, with a maximum of 4 years.

Beware of loan swindlers, don't trust those who have to pay any fees in advance, and don't trust those who tell you that you can borrow money by uploading some information online. Institutions that are now on the right track only provide online loan applications, but they must be handled offline and face to face.