Personal unsecured credit loans are aimed at mortgage loans and secured loans, because generally speaking, when a bank issues a loan, it requires the applicant to provide the real estate recognized by the bank as collateral and require the applicant to hold all its ownership. Because unsecured credit loans are usually risky for banks, few banks use simple procedures. Even if there is, it requires deposits in this bank, and the issuance amount is very low. At present, there is Shanghai Weixin to make unsecured loans, which means that no mortgage or guarantee is needed. As long as you are registered in Shanghai and have a job, you can apply for a personal loan of 30-200,000, and the loan will be released within four working days at the earliest. The most important thing is that the procedures are simple, which is convenient for everyone to rationally allocate assets and enjoy a better life in advance.