Yes, a cash loan is a kind of cash credit. When consumers need cash for various reasons, they can apply for loans from financial institutions. Consumers get cash, and the credit subject is financial institutions. Cash loan is much more advanced than retail credit: retail credit limits transactions to specific goods, while cash loan enables consumers to buy any goods and has a wider range of uses. \ x0d \ x0d \ First of all, if you want to apply for personal loans from major banks, you need to meet the following basic aspects: \x0d\ 1 The applicant has a stable job and has worked for more than half a year; \x0d\ 2。 Can provide bank flow recognized by the bank, and the minimum monthly income should generally reach more than 3,000 yuan; \x0d\ 3。 Personal credit record is good, and there is no record of continuous malicious arrears. \x0d\ Only when these conditions are met can consumers successfully apply for personal loans from banks. However, if the enterprise issues cash, then the bank memorandum in Article 2 cannot be provided, but this does not mean that it cannot apply for a loan. \x0d\ If the wages of the consumer's enterprise are paid in cash, it is generally necessary for the personnel department of the enterprise to issue a general list of wages paid for more than half a year at ordinary times and stamp it as a proof of income. If the borrower's salary is cash, he can also apply for personal unsecured credit loan from Ping An Bank. Today, with the improvement of personal loan business in banks, it is not difficult for consumers to apply for credit loans.