First, get a loan from the bank. Mainly depends on your qualifications, assets and credit information.
Second, borrow from non-bank institutions. Ant lending, Tencent micro-lending, the living expenses of Meituan, JD.COM gold bars, various online lending platforms, and so on. Although some of them are still loans from banks, such as loans from Shanghai banks, they are all non-bank institutions. These platforms depend on your stickiness to them. If you order takeout at Meituan every day and buy it at Meituan, Meituan will lend you money.
Third, private lending means borrowing from relatives and friends. It depends mainly on your sincerity. For example, if you write an electronic debit note with a signature in advance and forward it to your online friends, the probability of borrowing money will be much higher. For another example, writing the repayment in detail, such as how much salary is paid each month, can also improve the success rate.