It is not easy to get a loan because Douyin has very high credit requirements. Moreover, even if you are approved, the interest rate is very high. I personally do not recommend taking out a loan to pay off debts or solve urgent problems. If you are really short of money, you can use Alipay, or, like your best friends and relatives, pool money to get through the current difficulties. Don't think about taking out a loan. The interest rate of a loan is not something that ordinary people can afford, and there are many violent debt collections for loans at present.