Legal analysis: if there is no problem with credit, you can borrow money. There is no law that people who have had criminal cases cannot apply for loans or credit cards in banks. People who have had criminal cases can apply for loans or credit cards from banks like ordinary people. Requirements for bank loans: 18 years old, permanent residence of urban residents with full capacity for civil conduct or valid identity documents, and the age of the lender required for bank loans is generally between 18-60; Have a stable legal income and the ability to repay interest; Other conditions required by the lending bank. The procedure for handling unsecured loans is generally divided into three steps: the customer submits basic information, including the work unit and contact number. The lending bank or company checks the customer's credit information, including whether there is any illegal record of the customer's credit rating. For self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions. The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans 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. ? Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions. ?