Bank loans issued by banks are credit loans. No guarantee is needed, the procedure is simple, and you must do it online, open a bank online or go to mobile banking. Opening mobile banking is the most convenient and fast, and it can be operated anytime and anywhere. Unsecured credit loans Pure credit loans do not need to provide collateral, and the requirements for borrowers are relatively low. As long as you have a stable job and income, a good personal credit record and can repay the principal and interest on time, you can get a certain amount of loans.