1. Mortgage loan: If you have real estate or vehicles that can be mortgaged, you can consider applying for a mortgage loan. Because of collateral, banks or institutions will accept loan applications even if credit information and big data are not good.

2. Guaranteed loan: If a friend or family member is willing to guarantee the applicant, you can consider applying for a guaranteed loan, and the guarantor will bear joint and several repayment responsibilities, so the lending institution will relax the requirements for credit information and big data.