There is no such thing as a bank loan. Loans must be approved according to personal credit information. There is no shortcut. Don't believe it. Avoid being cheated. Many online loan advertisements promote that their loans are "unsecured and unsecured". In fact, they use these false advertisements to attract those who are in urgent need of loans and lead them into scams. This kind of fraudulent loan has almost no loan conditions, no mortgage, no guarantee and extremely low interest. But this is neither usury nor setting a threshold. Is there really such a good thing? Borrowers should think carefully.