Married people can go to the bank for loans without their spouses' signature. Personal credit loans do not need to be signed by both husband and wife. However, some banks need to provide marriage certificates, copies of spouse's ID cards and other documents. The application conditions for personal loan are as follows: 1, at least 25 years old and with full capacity for civil conduct; And have a permanent residence or valid residence certificate in China; 2. Have a fixed occupation or a stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule; 3. Good credit record and no bad credit record; 4. It can provide legal and effective guarantee recognized by the bank. Article 17 of the General Rules for Loans: Lenders must engage in loan business with the approval of China Banking Regulatory Commission, hold the License for Legal Person of Financial Institution or Business License of Financial Institution issued by China Banking Regulatory Commission, and be approved and registered by the administrative department for industry and commerce.