If you apply for a personal loan at China Merchants Bank, it is currently stipulated that the lender must be at least 18 years old, and the age+loan period should not exceed 7 years old. If minors need to apply for a loan, they can try to have their parents (or one of them) as the same loan applicants; Whether it can be handled specifically, I suggest you contact the personal loan department of the local outlet for details.