Legal analysis: people who have been in prison can get loans in principle, but in practice, it is more difficult to get loans. Loans refer to loans between citizens, citizens and legal persons, and citizens and other organizations. As long as the opinions of both parties are true, it can be considered effective, and the mortgage generated by the loan is also effective accordingly, but the interest rate shall not exceed the relevant interest rate stipulated by the People's Bank of China. Private lending is a direct financing channel, while bank lending is an indirect financing channel. Private lending is an investment channel of private capital and a form of private finance.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.