If you urgently need a loan of 200,000.

First, you need to evaluate your credit status and repayment ability to determine the loan option that is best for you. Here are some possible loan avenues:

1. Bank Loan: You can try applying for a loan from your bank or other credit institution. Banks usually require borrowers to provide a good credit history and a stable source of income to obtain loan approval.

2. Online loans: If your credit record is poor or your income source is unstable, consider online loan platforms such as Paipaidai, Yirendai, etc. These platforms generally diversify loan risks, offer flexible repayment options and higher approval rates, but be aware of high interest rates and possible hidden fees.

3. Credit card loan: If you already have a credit card, consider using the credit card cash withdrawal or transfer function to obtain a short-term loan. Be aware of high interest rates and possible overdraft fees.