Credit loan: If you have a good credit record, you can apply for a credit loan.

Credit loans usually need no guarantee or mortgage, and the loan amount is usually small.

The interest rate of credit loans may be higher, but for those who have no provident fund, this may be an option.

Personal loan: Personal loan is a kind of loan without guarantee or mortgage, which is usually used to meet personal financial needs.

You can apply for personal loans from banks, credit cooperatives or online lending platforms.

Like credit loans, personal loans may have higher interest rates.

Cooperate with the guarantor: If you don't have provident fund, but you have relatives and friends who are willing to be guarantors, then you can consider cooperating with them to apply for a loan.

The credit history of the guarantor will affect your loan approval, and they are willing to take responsibility for your repayment.