My friend, let me tell you whether unsecured personal loans really exist. Unsecured and unsecured is real, also known as credit loan, that is, the applicant can apply only by personal credit and income without providing collateral or third-party guarantee. Unsecured and unsecured loans require higher personal credit records. If the personal credit record is overdue, even if it is overdue for a few times, the application for unsecured and unsecured loans in the bank may be rejected. At this time, you can consider small loan companies. If there are many overdue times and the circumstances are serious, it is likely to be blacklisted by the bank. At this time, it is difficult to apply for a loan anywhere. At this time, private lending can be considered.