First, I suggest going to the local CITIC Bank. CITIC Bank has a "network credit consumption loan for provident fund depositors" in Guangxi. As long as your company helps you pay the provident fund on time every month, you can lend the maximum amount of your monthly provident fund 100 times without mortgage or guarantee. Ten thousand yuan pays 5 1 yuan interest every month, and repays the principal at the deadline.

2. Shenhui Education Loan (also called Academic Degree Loan) is an unsecured loan service launched by Shenhui Finance for graduate students (college or above) in China, aiming to help graduate students solve the financial pressure and realize their dreams in advance. The application for student loans has filled the market gap of national graduate loans. Shenhui Finance has tailored different credit solutions for each graduate according to their loan purposes and their actual situation, so that graduates can easily realize their wishes through installment payment.

However, it is recommended to consult local bank loans as much as possible, which is more reliable. When applying for a loan, the lender needs to prepare the following materials:

1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide proof of stable income source: bank flow sheet, labor contract, etc.

3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;

4. Other information stipulated by the bank.

Extended data

Matters needing attention in loan are as follows:

1. The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed in time if there is any change.

2. The loan purpose should be legal and compliant, and the transaction background should be true.

3. According to your repayment ability and future income expectations, choose the repayment method that suits you.

4. Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income.

5. Read the terms of the contract carefully and know your rights and obligations.

6. Repay on time to avoid bad credit records.

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan.

8. prepayment must be handled by communicating with the bank one month in advance.

9. When foreigners apply for commercial loans, banks generally require borrowers to have stable income in the local area, but also to open household registration certificates (some banks also require employment certificates), while housing guarantee companies require foreigners to apply for temporary residence permits in addition to local income.