1. Borrow money from relatives and friends. Borrowing from relatives and friends usually does not require complicated credit review, but it should be noted that this may involve the coordination and management of interpersonal relationships.
2. Microfinance companies. Small loan companies may have relatively loose credit requirements for borrowers, but correspondingly, there may be higher borrowing costs.
3. Private lending. Private lending is an informal lending method, which usually does not require complicated credit review, but it is risky and needs to be treated with caution.
4. Peer-to-peer lending platform. Some P2P lending platforms may not have high credit requirements for borrowers, but they may also be accompanied by higher interest and fees.
When considering the above methods, borrowers should fully understand the advantages and disadvantages of various loan methods and make choices according to their actual conditions. At the same time, if you are not sure about your personal credit status, you can search "General Credit Information", click Query, and enter information to get the credit information of 100 banks. This will help borrowers to know their own credit status, so as to better choose the appropriate loan method. It should be noted that overdue personal online loans will affect credit records, so you must think twice before you do.
Extended data:
—— The basic database of financial credit information provided by the Credit Information Center of the People's Bank of China has become the most populous credit information collection system in the world. This system provides a strong support for the healthy development of financial services real economy.
-Borrowers should consider the importance of personal credit records when facing capital demand, so as to avoid short-term capital demand affecting long-term credit status.
-When choosing loan channels, borrowers should carefully evaluate the risks and costs of each channel to avoid falling into the debt trap.