Pratt & Whitney loan refers to personal small consumption loan, which can be applied as long as the borrower meets certain conditions. The guarantee methods are divided into credit guarantee and mortgage guarantee. After borrowing money, the borrower must repay it on time, which will affect the user's personal credit information.

Inclusive consumer loans are loan funds issued by banking financial institutions to micro-enterprises, low-income residents, disabled people, farmers and poor people for production and business activities, poverty alleviation and other purposes. They can solve the financing problem of micro-enterprises and help private and micro-enterprises to flourish. At present, many domestic banks have launched inclusive loans.