Never listen to those who lend you money. The interest on online loans is very high, which will kill people. If you want to borrow money, you can go through the bank. If you don't need a large sum of money, you can apply for a bank credit card, and you can easily get tens of thousands of dollars. Credit cards also have an interest-free period, so as long as you have the means to use them, you can have a good working capital.