As the saying goes, "life is not satisfactory, nine times out of ten", in daily work and life, everyone will inevitably encounter economic crisis. When capital turnover is urgently needed, the best solution is to apply for a bank loan. Compared with online loans, bank loans are more reliable, more secure, with long cycle, high quota and relatively close interest. As long as everyone can provide sufficient collateral and personal credit is not too serious, you can get a large loan amount. At this time, a friend asked, if I have no collateral, can I still apply for a bank loan? Come and try these solutions!

1. Credit loan: Contrary to mortgage loan, credit loan is a pure credit loan product without mortgage and guarantee. The more common ones are ICBC's e-finance, ABC's Netjet loan, China Merchants Bank's lightning loan, and Bank of China's wage loan. There are also loan products from other financial institutions, such as common ant flowers, ant loans, JD.COM gold bars and so on. Although these loans do not need collateral, the lending institutions will also evaluate the borrower's credit status and repayment ability, and only those that meet the standards can pass the audit.

2. Secured loan: If the borrower has no fixed assets, but a close relative or friend can provide assets as collateral to the lending institution in his own name, or find a third-party institution as a guarantee, then the borrower can apply for a secured loan.

3. Policy loan: Now many people will not only pay social security for themselves, but also buy themselves a commercial insurance. If you have a policy with cash value, you can also apply for a policy loan from the insurance company. The maximum loan amount can reach 80% of the cash value of the policy. The loan term cannot exceed 6 months, and the loan interest rate is set by the insurance company.

The above is the detective's answer to "Can I apply for a loan without collateral?" I hope I can help my friends here after I have introduced all the questions.