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常見的動產抵押品有汽車、機車及手機，這些抵押品價值雖然不比房屋及土地高，但本身仍有一定價值在，因此利用擔保品來申貸能提高貸款過件率，順利取得一筆小額資金，適合有信用瑕疵的人申辦。貸款最忌諱後續還不出來，將衍生一連串嚴重債務問題，應試�

如何確認貸款公司的合法性？請檢查這兩項，第一：是否持有有效的營業執照或登記證，第二是否有固定的營業地點。只有確定是合法且正式註冊的貸款公司，才能安心借款。其次，建議大家可以考慮「保單借款」，預支保單累積的「保單價值準備金」來做為周轉�

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