Shaanxi Credit Cooperative has a loan with interest first and capital later. For personal credit loan, please refer to the personal accumulation fund of 1 year or above, the real estate in my name, the punching salary, and the business dealings with banks. Most banks have this kind of products, which are returned once a year. There are also a small number of loans, such as loans to farmers and loans under special state policies, which can also be repaid after interest.