Does the questioner want to ask "Can companies in Xiamen get loans if their credit is not good?" cannot. According to the inquiry on the official website of Xiamen Enterprises, we learned that Xiamen Enterprises cannot get loans if their credit is not good. Loans will be based on an individual's credit score. Xiamen City, referred to as "Xia" or "Lu", also known as Ludao, is a prefecture-level city, sub-provincial city, separately planned city, and a type I large city under the jurisdiction of Fujian Province.