Credit cooperatives exist mainly to meet the capital needs of members, so if you are a member of a credit cooperative, but have no record of deposits or loans, you may get a loan. But whether you can get a loan depends on your repayment ability and credit status.

Credit cooperatives usually evaluate the repayment ability and credit status of loan applicants through their members' income, contributions and credit records. If your evaluation results are good, the success rate of applying for a loan will be higher. Therefore, if you have a loan demand, you can consult the staff of your credit union to understand the specific loan policy and application requirements.