You can try to apply for a loan through China Merchants Bank. There is no prophase. If you are already a user of China Merchants Bank and downloaded the mobile banking app of China Merchants Bank, you can try to log in to mobile banking, and my-all-loan-I want to borrow money to try;

Or borrow money by credit card; Log in to Pocket Life and click "Card Finance"-"I want to borrow money" below, subject to the audit results.

Non-China Merchants Bank card (no China Merchants Bank area) can try to apply for "e-loan". You need to download the operation of China Merchants Bank Pocket Life APP, conduct online review, and lend money in 5 minutes at the earliest.