You can go to Guangdong Nanyue Bank, where I just started recently. It's easy to apply: you can apply with one phone call. Lending is very fast: generally, it can be lent within 1 to 2 working days after the approval of the bank. Low rate: the monthly handling fee rate can be as low as .6%. Repayment period: 3, 6, 12 and 24 months, and you can choose by stages. This card covers a wide range: it can cover all aspects of life. It feels good!