No. Loans are civil acts, and only those with full capacity for civil conduct can apply for a loan. In other words, those who want to apply for a loan must be at least 18 years old and have full capacity for civil conduct. Minors have limited capacity for civil conduct. A person or a person without capacity for civil conduct will not be granted a loan, and a mobile phone downloaded with virus software will not be granted a loan. Loans mean that banks and other financial institutions lend money to groups who use money. When borrowing money, interest and repayment dates are stipulated.