Q: When applying for a consumer loan from a bank, many require property collateral. I don't own a house, and the loan amount is not high. Does this mean I can't get a loan without property collateral? Are there any banks that offer consumer loans without requiring property collateral? A: Most banks do not offer unsecured loans to regular customers, and many consumer loans do require property collateral. If you have a stable income and can provide work proof, income proof, bank statements, etc., you can apply for an unsecured loan from a loan company. For example, Ping An Yi Dai, CreditEase, these loan companies are nationwide chains, financing. Many cities also have local small loan companies. A few banks can also offer unsecured loans to regular customers, such as Ping An Bank, etc.