I am a reservoir immigrant, and every year the immigrant allowance is sent to my dad's passbook. Now I have a Baifu card of Jiangxi Rural Credit Cooperatives, which can be used for loans.

There is little hope. Although you have immigration subsidies, most financial institutions that lend money will look at your source of income. To put it bluntly, I just can't afford to pay back the money. It's hard for you to have a stable income source. If you are an adult, you communicate with the government unit that issues immigration subsidies and ask if you can transfer your money to your account. Finally, I suggest that you don't want to get rich with a loan in one day, which is unrealistic (really).