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合法的貸款公司在對保前是不會需要你的身分證證件的正本！也不需提供存摺培養進出記錄的。〈延伸閱讀：小額借錢是什麼？小額借錢５大優點、注意事項就看這篇！〉 雙證件、勞保卡/明細 、收入證明(薪轉存摺或密封式薪資單或扣繳憑單)、已婚者加附配偶身
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信用不好的人可參考以上方法，不過銀行的過件率可能還是很低，因此會建議信用狀況不良的人找民間貸款，像是申辦門檻低的手機貸款或有擔保品的汽機車貸款，若最後還是一樣無法過件，那可能就是本身信用瑕疵太嚴重，建議先提高信用評分再來申辦貸款！因
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