The following are related to black accounts, which can be selected according to the borrower's own conditions:

1. Private lending. In this case, the loan company may let the borrower If the borrower provides more proof of repayment ability, the pre-loan review will be more stringent. At the same time, if a black account applies for a loan, the lending institution may increase the borrower's loan interest rate or reduce the borrower's loan amount, depending on the situation

2. If the black account wants to apply for a loan, you can try Applying for a loan from a bank through a local loan company is one of the channels for black households to apply for a loan.

3. Find a loan company. Loan companies usually don't value an individual's credit, but rather the collateral. If the borrower obtains a loan through a loan company and can provide collateral, it will be easier to obtain funds.