Handling bank credit loans requires ID cards, household registration books, marriage certificates, housing books, work certificates, income certificates, running water, credit information and other materials. Without bad credit information, it is impossible.
Small loans and loan companies can lend money in 1-2 days, although the interest is high, and the procedures are simple and not cumbersome.
One thing to note about online lending is that there are too many scammers. Some information that deceives you and reacts. Some charge you a lot of money in the early stage, but in the end they go away.
The bank's interest rate is low, but the lending speed is too slow and the procedures are complicated. Interest on online loans and small loans is relatively high, but the lending speed is fast and the procedures are simple.