1. Get a credit card, which is interest-free for more than 50 days;

2. Both Alipay and WeChat have the function of borrowing money;

3. Both provident fund and individual tax have loan quotas. Please consult the bank for details.

Some common loan types and basic requirements are as follows:

1, credit loan. If the borrower wants to borrow a small amount, he can choose to use a credit loan between 1- 1 10,000. When handling credit loans, borrowers need to bring their ID cards and bank cards to banks for loan consultation, but some banks need marriage certificates.

2. Mortgage loan. If the borrower has a high demand for funds, he can also use a mortgage loan, a mortgage car or a mortgage house. At present, mortgage loans are still very fast.

3. Guaranteed loan. If the borrower has a qualified guarantor as a guarantee, the borrower can also apply for a secured loan. As long as there is a big customer with good credit or a senior bank willing to be a guarantor, then the borrower can make money from the bank.

4. Consumer loans. If the loan is only used for daily consumption, the general borrower only needs to make a one-way bank loan with his daily consumption account. It is still easy for banks to pay consumer loans, but it may be difficult for accounts with insufficient running water.