There are some options for you if you want to apply for a personal loan in China. Please find the details below of personal loan, note that these are only applicable to Chinese citizens.
Apps like 蚂蚁借呗(Alipay)，微粒贷(Webank)，有钱花(Baidu)，京东金条(JD finance) offer fast and easy personal loan options, with a daily rate range of 0.015%-0.06%, the application usually requires APP credits or bank debit card. Each platform has various application requirements that can be found online.
Some banks offer a lower rate than APPs but barriers are higher. 中银E贷(BOC),融e借(ICBC),平安易贷PING'AN have an annual rate among 4.35%-7.2%, usually need proof of assets, property proof and salary info for final review.