1. Find a third-party lender: Third-party loans are entrusted payments, which are very common in bank mortgage loans. For individual credit loans with a single amount of less than 300,000 yuan, generally there is no need to entrust payment, most of them are paid by themselves, and the use is limited at most. Therefore, this situation is basically to borrow money from a third-party lender, and there is no need for a loan at all.

2. Find an emergency contact to sign: This scam is easier to explain. Normal banks do not need the signature of emergency contacts. General personal credit can fill in the contact number, and the bank audit will go to the phone to audit the contact person. There is no doubt that personal credit applications need emergency contacts.

3. Loans with guarantors: At present, there are few personal credit loans in cities that need guarantors, and they almost don't exist. There are indeed many people in enterprise credit loans who need guarantors. Basic personal credit loans in cities rarely need guarantors. Personal credit loans that need guarantors mainly exist in rural areas (rural credit cooperatives), and some of them exist in enterprise credit loans.