To apply for a loan without a bank statement, you need to find a guarantor to provide guarantee.

Loan notes:

1. The information provided to the bank must be true, the address and contact information provided must be accurate, and the bank must be notified in time when there are changes;

2. The purpose of the loan must be legal and compliant, and the transaction background must be true;

3. Choose a repayment method that suits you based on your repayment ability and future income expectations;

4. When applying for a loan amount, you must act within your ability. Usually, the monthly repayment amount should not exceed 50% of the total household income;

5. Carefully read the terms of the contract and understand your rights and obligations;

6. Repay the loan on time to avoid bad credit records;

7. Do not lose the loan contract and IOU. For mortgage loans, do not forget to cancel the mortgage registration after paying off the loan;

8. Early repayment must be handled with the bank one month in advance.

The simple and popular understanding of a loan is to borrow money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Information reference: Loans-Baidu Encyclopedia