1. Private loans. Lenders provide collateral, such as houses, cars and other real estate for loans, as long as the two sides agree. And the private loan is not test personal credit, for black households is a good choice.

2. Loan companies. The bank can be black to the local loan company for loans, loan company is not valued personal credit situation. Borrowers through the loan company, and can provide collateral, it is very easy to borrow. The interest rate, although high, is also easy to accept.

3. The online lending platform. The first thing you need to know is that you can't get a good deal of money out of your credit card, but you can get a good deal of money out of your credit card, and you can get a good deal out of your credit card. That is to say, many online lending platforms do not have access to the central bank credit system, as long as you meet the lending standards of the online lending platforms, even if you are a black banker do not have to worry about it.

4. Each bank treats the late standard differently, according to the late is not the same, can accept the bottom line is not the same. If the four big state-owned banks can't, you can find another bank. In any case, there is no harm in trying more than one bank.