That's right. At present, loans from CCB, ABC and ICBC are very slow. I don't know what kind of loan you are talking about. Generally speaking, the success of a loan depends on your qualifications, such as whether you have a job or not. If you have a stable job and income at present and have no bad record of overdue repayment, you can take unsecured loans from banks or small loans from regular loan companies. Generally, you need an ID card, proof of work income and proof of residence (proof of 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.
Reminder: Anyone who charges in any name before lending money (usually paying one month's interest or one quarter's interest) is a liar.