1. Users only need to click the "Borrow Money" entry on the Hellobike APP, fill in the basic information and submit the application. The system will automatically review the loan, and the loan can be released after it is approved. The whole process is relatively simple and quick.

2. When 2.Hellobike borrows money, it doesn't need the user to provide any collateral, but only needs personal credit to get the loan amount.