Well, if you have a stable job and income and no bad record of overdue repayment, you can apply for a personal credit loan. That is, unsecured loans from banks. Generally, you need an ID card, proof of work income and proof of residence (renting a house is also acceptable). The specific amount is calculated according to your monthly income, which is generally 4-8 times of your monthly income and not more than 10 times. The interest rate rises according to the benchmark interest rate stipulated by the bank. The general loan term is 6 months, 1 year, 2 years, 3 years, with a maximum of 4 years.

Now many banking institutions have similar products! The interest rates of different banks will be different, so you'd better choose more affordable loan products.

You should be careful when choosing lending institutions, and pay attention to identifying illegal institutions.

First look at the interest rate. If it is more than 4 times higher than the benchmark interest rate for the same period, it is illegal.

Second, look at whether to charge before lending. If you charge in the name of various fees and interests, nine times out of ten there is a problem.

3. Remittance pays interest, charges are charged for various reasons before lending, the interest rate is too high, and the contract is not signed.

Fourth, some relatively new tricks, such as opening telephone banking or mobile banking, use default password loopholes to cheat money.

You can go to my "spare room" for details.