Legal analysis: banks can accept unsecured inter-provincial small loans; The borrower needs to live and work in the local area for at least half a year and be able to provide all the information needed for bank loans; Bank loans need a stable source of repayment and collateral with good credit information or clear property rights, such as real estate and vehicles.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Article 670 Interest on a loan shall not be deducted from the principal in advance. If the interest is deducted from the principal in advance, the loan will be repaid according to the actual loan amount and the interest will be calculated.

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.