At present, there are two kinds of personal consumption loans: personal mortgage consumption loans and personal credit consumption loans. Mortgage consumer loans must use real estate as collateral and apply for loans from banks; Credit consumption loan means that the bank decides the loan amount according to the comprehensive credit situation of the loan applicant. In addition, the current regulatory authorities will strictly follow the loan after the loan. If the consumer loan has a specified purpose, such as decoration loan, the withdrawal method will be restricted, and the corresponding bank will not put it into the personal account in cash when issuing the loan, but directly transfer it to the designated merchant.

Loan Path 2: Pawnshop

Many pawn shops have also launched a new service, commonly known as "credit card pawn", which can guarantee the maximum credit limit according to the pawn situation of customers' mortgaged assets. Within this range, customers can choose the loan amount and service period at will.

Loan Path 3: Small loan companies.

Compared with complicated bank loans, microfinance companies need to apply more simply. Usually, users only need to consult microfinance companies in advance, ask for business details, and then submit application materials. After the microfinance company is approved, it will sign a loan contract with the applicant, and the borrower only needs to repay the arrears on time.