Loans often take three forms: banks, intermediaries and loan companies.

If you want to borrow money from a bank, the general loan process is as follows:

First, apply for a loan.

Then, the bank will evaluate your credit rating according to your application.

Then, you can wait for the loan approval.

Finally, you wait for the loan to be issued.

Through an intermediary.

For customers who don't know about loan products, I suggest you choose this method. The so-called intermediary lending platform means that such platforms have established cooperative relations with banks and formal lending institutions. Customers can consult first and then find suitable institutions and loan products, and then hand them over to banks or loan institutions for handling.

Taking Rong 360 as an example, the online personal loan application process is as follows: platform loan application->; Platform qualification survey->; Referee-> The agency negotiated to sign the contract and successfully obtained the loan.

Through the loan company.

At present, there are many loan companies in the market, such as CreditEase, Urgent Loan and Zhongan Credit. There are also a large number of loan companies in the name of guarantee and consultation. There are also some electronic financial institutions, such as the p2p-based Renren loan website. These institutions can also apply for loans.

It should be reminded that because the Internet is full of fake scammers, phishing websites and loan companies, and you don't know the qualifications and legitimacy of such loan companies, you are likely to fall into the trap of scammers.