Private lending, in this case, the loan company may require the borrower to provide more proof of repayment ability when handling the loan. For example, the pre-loan review will be more severe, examining whether there is collateral under the borrower's name, whether there is real estate, and whether the nature of work is stable. At the same time, if a black household applies for a loan, the lending institution may increase the borrower's loan interest rate or reduce the borrower's loan amount as appropriate.

2. If black households want to apply for loans, they can try to apply for loans from banks through local loan companies, which is one of the channels for black households to apply for loans.

3. Find a loan company. Lending companies usually value collateral more than personal credit. If the borrower borrows money through the loan company and can provide collateral, it will be easier to obtain funds.