Step one: First, apply to a rural credit cooperative. Step 2: After submitting the application, submit the required information for the loan to the rural credit cooperative. Generally, you need to prepare the originals and copies of the valid ID cards of the applicant and his spouse, as well as their personal credit inquiry authorization letters, and the loan consent letters from the main members of the applicant's family. If you are a farmer who has been rated and granted credit by a rural credit cooperative, you will also need to provide proof of rating and credit granting information. Step 3: After submitting relevant information, you need to fill in the loan application form under the guidance of the Rural Credit Cooperative Account Manager. Step 4: Accept the pre-loan investigation according to the date agreed by the rural credit cooperative. Step 5: After the investigation is completed, the applicant only needs to wait for the investigation results from the rural credit cooperative. Step 6: If the Rural Credit Cooperative approves your loan application, you need to go to the Rural Credit Cooperative to interview and sign the "Farmer Credit Loan Contract." Step 7: After the interview is completed, you can use the loan receipt to withdraw cash.