Because credit cooperatives have geographical restrictions, and secondly it depends on the amount of your loan.
Within the credit range
Every club is different.
From 30 thousand to 200 thousand, if your loan amount is within this range, you can take it.
Pledge (marketable securities: mainly time deposits of credit cooperatives, which can be owned by others, with low pledge interest rate and benchmark interest rate)
guarantee
There are also mortgages (mostly real estate). If your loan amount exceeds the credit limit, hehe, you can only mortgage or pledge.