1, handle credit loan.

It's actually an unsecured loan. Many lending institutions, including banks, provide such loan products, such as ICBC e-loan, Agricultural Bank online loan and China Merchants Bank flash loan, as well as products of other financial institutions such as 360 IOUs, IOUs and JD.COM gold bars.

However, it is not an unconditional loan, and the lending institution will evaluate the borrower's credit status and repayment ability. Only when the general applicant meets the basic conditions of the loan product to be applied for, has no serious bad credit, has a stable income and job, and has a low personal debt ratio can the loan be successful.

2. Find someone to make a secured loan

Lenders have no assets, but close relatives or friends can provide their own assets as collateral to lending institutions, or find a third-party institution as collateral, and lenders can also lend.

However, the lender itself must have a stable repayment ability, and personal credit cannot go wrong. Otherwise, even if the quality of the guarantor is no matter how good, the borrower himself will not be able to get the loan if he fails to pass the examination and evaluation of the lending institution.

3. Apply for policy loans

In addition to paying social security, most people will buy themselves a commercial insurance. If they have a policy with cash value, such as an unexpired life insurance policy, they can apply for a loan from the insurance company, up to 80% of the cash value of the policy, and the term cannot exceed 6 months. The interest rate is set by insurance companies. Moreover, during the policy loan period, as long as the policy has not expired, it can still be settled.