Generally required.

From the current point of view, whether we apply for a loan or a credit card, we need to provide proof of employment, because it is an important basis for the bank to judge whether the applicant has the ability to repay the loan in full and on time.

However, not only the work certificate issued by the unit can be recognized. Relevant materials that can prove that you work for a certain company, such as work badges or labor contracts, can be regarded as proof of employment.

Since everyone’s personal situation is different, if you are a freelancer, it is impossible to obtain a work certificate no matter how you approach it. In this case, you can consider applying for a loan from a pawn shop or a guarantee company, which tend to be more lenient in reviewing personal qualifications and will not usually focus on the direction of the collateral. In other words, as long as you can provide cars, houses, stocks, gold and other valuable objects as collateral, you can successfully obtain a loan.