Generally large, national or more formal. Just find one anyway. You only charge the loan fee. Write it down in the agreement, and don't charge a penny before.

Second, how do individuals find loans from guarantee companies?

Personal borrowing from guarantee companies means that banks do not lend directly to individuals in order to reduce risks, but require borrowers to have a third party as their credit guarantee, most of which are guarantee companies or individuals with good credit status.

Personal loan process of guarantee company:

1. The lender consults and selects the guarantee company, and then submits the personal consumption loan application, personal identity certificate, work certificate and personal information to the guarantee company, and the guarantee company accepts the project.

2, the guarantee company to conduct a comprehensive and all-round investigation of the applicant, after the investigation for approval.

3. Sign the main contract, guarantee contract, counter-guarantee contract and other legal documents after approval and collect the guarantee fee.

4. The guarantee company will submit the relevant information of the lender to the bank, and the bank will issue the loan after review.

Legal basis:

Article 11 of the Interim Measures for Personal Loans

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

3. Is it better to find a company or a bank for a loan?

First of all, it is clear that the company's money is also borrowed from banks, and their loan review procedures are not as strict as those of banks, that is to say, helping others to borrow money and charging them the interest difference. The certificate that can be borrowed from the bank is already in the bank. The same property cannot be mortgaged twice, and the bank will certainly not let it go. At present, city commercial banks have a kind of card mortgage, which is based on the guarantor's assets. You can decide.