individuals can apply for loans from banks, and the conditions required for bank loans are:

1. People who have reached the age of 18 and have full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificates, and bank loans require lenders to be generally between the ages of 18 and 6;

(2) have a stable legal income and the ability to repay the interest;

(3) Other conditions required by the lending bank. However, if you want to apply for a small loan, I suggest you choose a formal credit platform.