I suggest that it is better to borrow money directly from the bank. With the continuous development of society, people's consumption level is getting higher and higher, and there are more and more small loan companies around us. Many people choose to borrow money to enjoy things they can't afford now, which makes them feel heavily in debt. Most post-90s people have loans, let alone savings. If you are really short of money, I suggest not looking for those small companies, but looking for some big platforms through formal channels.

First of all, you can find a bank. We all know that banks have a government background, the interest rate of loans from banks is lower, and the relevant procedures are perfect. Even if there are contradictions between the two sides, it is easier to solve them. However, banks have always been icing on the cake, not a gift in the snow. Therefore, it is more difficult to borrow money from banks, and it is necessary to have relevant collateral for banks. Otherwise, banks generally will not approve.

Secondly, you can find some large online lending and internet finance companies. These large online lending companies are all guaranteed, and the interest rates are very formal, so there is no possibility of extortion. You can lend it temporarily or in a hurry, but you must not get into the habit of regular loans. At that time, we may be heavily in debt, facing greater economic pressure, and many people even choose to commit suicide because they owe too many loans.

Violent debt collection is not uncommon in our life. Once the repayment is not made in time, there will be overdue records in the personal credit record. Secondly, others will keep calling to harass you, even your relatives and friends, which will also have an impact on your reputation. If you really need money urgently, you can borrow some from your relatives and friends first. Don't borrow money unless you have to, and don't buy it at the same time.