Bank loans require stable occupations for credit loan applicants, because stable occupations can reduce loan risks. The taxi driver industry is actually a relatively unstable and high-risk occupation, so many banks clearly stipulate in the loan product conditions that they will not accept applications from professional groups such as sales and drivers. But not all banks are like this.

There are also some personal micro-credit loans of joint-stock commercial banks, which can meet the needs of drivers. Generally, drivers who apply for loans are required to have more than two years' driving experience, have been engaged in taxi business for one year and have local permanent residence. No mortgage or guarantee is required, and the loan term is 1 to 2 years.

To apply for personal credit loan, drivers need to submit the following materials: ID card, household registration book, marriage certificate, driver's license, driving license, qualification certificate, charter contract (driving contract), taxi driver's service card, income certificate, real estate license or purchase contract, residence certificate (notice of water and electricity in the last three months) and other materials.