Hello, generally speaking, the basic conditions that need to be met for personal loans are as follows:

1. Be 18 years or older and have full civil capacity, and have a valid residence certificate and Proof of identity;

2. Have stable legal income and proof, and the ability to repay interest;

3. When the loan business requires a down payment, the full amount must be paid. Ability to make a down payment;

4. For larger personal loans, you need to meet the collateral conditions required by the bank;

5. For credit loans, you need to have good credit standing ;

6. Meet other conditions required by the bank.

If you need money urgently, you can also consider online loans. It is recommended that you choose a big brand for loans. The interest rates are transparent and your information security is guaranteed. It is recommended to use Youqianhua. Youqianhua is a credit brand under Duxiaoman Financial. It provides users with safe, convenient, unsecured, and unsecured credit services. To borrow money, go to the Duxiaoman Financial APP (click on the official amount measurement). Money-to-spend consumer loans, with daily interest rates starting as low as 0.02, feature easy application, low interest rates, fast disbursements, flexible borrowing and repayment, transparent interest rates, and strong security.

Share with you the application conditions for money-to-spend consumer products: they are mainly divided into two parts: age requirements and document requirements.

1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to current students. If you are a current student, please give up the application.

2. Information requirements: During the application process, you need to provide your second-generation ID card and personal debit card.

Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

This answer is provided by Youqianhua. Due to objective reasons such as timeliness of the content, if the answer content is inconsistent with the actual interest calculation method of Youqianhua products, please refer to Duxiaoman Financial APP-Youqianhua Borrowing The page display shall prevail. Hope this answer is helpful to you.