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申貸人手中如果持有房產、汽車、機車、土地，可以利用這些實物進行抵押貸款，貸款利率通常會比無擔保品的信用貸款來的低。若諮詢時衍生收費標準說不清楚或含糊帶過，也要小心，所有合法的借貸機構都應該在諮詢時就要先跟民眾說明衍生手續費用的收費標
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但是，若你什麼都沒有，連基本的生活開銷都負擔不起，這樣的情況連民間貸款也很難幫助您，建議還是要找份工作，起碼讓自己有收入，這樣才能幫您順利貸款借錢哦！這裡可以很肯定的告訴你，只要避開非法經營的貸款公司，這些杞人憂天通通不會發生！面對
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完整借貸流程：合法的借貸會先有免費諮詢讓您了解貸款方案，而不是草率簽約，等您了解方案後再決定要不要申辦，確定申辦後會開始審核條件、評估可貸利率及額度、再來對保及簽約、最後撥款，會有一套完整的程序，不會隨便就簽約、也不會要求繳交身分證
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