It is best to go to a bank or a formal guarantee company to apply for a loan. Online loans, private loans, and software APP loans are now very risky;

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Other information required by the bank.

Requirements for bank loans:

(1) permanent residence of urban residents with full capacity for civil conduct or valid identity documents at the age of 18, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Good credit information;

(4) Other conditions required by the lending bank.