You can go to a local bank to apply. There is no need to pay interest first when applying at a regular bank.

The process of unsecured loans:

The borrower submits a loan application;

Prepare loan-related information;

Account manager loan investigation;

Bank approval;

Both parties sign a loan contract;

Implement an unsecured contract or other guarantee contract;

Bank loan;

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Post-loan management;

Repay the principal and interest when the loan is due.