1. Bank personal loan: Applying for personal loan from the bank is one of the most common ways. The specific steps are as follows:

A) Go to the bank of your choice to consult their loan products;

B) Provide necessary identification documents, work certificates and income certificates;

C) Fill in the loan application form, provide detailed information and clearly explain why the loan is needed;

D) The bank will evaluate your credit history, repayment ability and other related factors;

E) If the loan is approved, you need to sign a loan contract and repay the loan as agreed.

2. Credit card cash installment: If you have a credit card, you can consider using the cash installment function of the credit card. The specific steps are as follows:

A) Contact the credit card issuer to confirm whether cash installment payment is supported;

B) Provide the required identification documents and other necessary information;

C) Select the installment plan and term;

D) Sign an agreement and repay the loan according to the installment plan.

Summary: You can borrow 654.38+10,000 yuan through personal loans from banks or cash installment loans from credit cards. During the application process, please make sure to provide accurate information and meet the requirements of the bank, so as to increase the chances of successful loan application.

Extended data:

The loan interest rates, conditions and requirements of different banks may be different. For more detailed information, please consult a number of banks. In addition, before the loan, carefully evaluate your repayment ability, rationally plan the use of the loan, ensure that you can repay on time, and avoid unnecessary financial pressure.