There are three main ways to get personal loans: 1, and seek bank loans. Banks generally want collateral such as real estate and vehicles. Moreover, the conditions are harsh and you need a discount, mainly depending on the value of your collateral. Postal savings bank or local bank can do it, and there is not much information, which should include valid documents such as the use of funds, certificates of individual industrial and commercial households, real estate licenses and driver's licenses. 2. Find a guarantee company that can do loan business. 3. Private lending. The first cost of the above method should be the lowest. You can call for advice.