If a bank loan needs to mortgage a house or car, it will cost about 10%, and it will take about 1 month to pay, which will be very troublesome. Credit companies are relatively simple. Just need an ID card, no mortgage, no handling fee. It is enough to have a six-month punch card salary and social security. See what kind of loan you need. I hope my answer can help you. Please adopt it if it is useful. Thank you. Which area are you in? I'm in finance. Maybe I can help you in reality.