1. Adult rights and interests: When you are 18 years old, you are an adult and enjoy the same legal rights and interests as adults, including applying for small loans.

2. Law: According to Chinese laws, citizens aged 65,438+08 are eligible to sign contracts and borrow money, so you are eligible to borrow money.

3. Banking policy: Many banks or financial institutions provide microfinance services. They usually consider the age of customers and provide loans to people over 18 years old within the scope permitted by law.

Summary: After reaching the age of 18, you can apply for small loans, which are subject to the rights and interests of adults, relevant laws and regulations and bank policies. However, the specific loan amount and conditions may be affected by personal credit evaluation and other factors.

Extended data:

Loan is a kind of financial behavior, and both borrowers and borrowers should abide by relevant laws and regulations and understand the terms of the loan contract. Before applying for a loan, it is recommended to read the contract carefully to ensure a clear understanding of the loan conditions and repayment responsibilities. If in doubt, you can consult a professional financial adviser or bank staff.