What are the permissible ways to obtain personal bank loans without falling into usury?

A legitimate loan is a 'Qard Hasan (definition)' (benevolent loan) that does not stipulate any increase, and it is not provided by either Islamic or interest-based banks.

There are two types of financing alternatives in Islamic banks: 1. Murabaha and Ordinary Tawarruq: The bank sells a commodity to the client on installment, and then the client sells it themselves in the market. This is permissible. 2. Organized Murabaha and Tawarruq: The bank sells a commodity to the client on installment, and then the bank undertakes to sell it to another client. This is forbidden.

Also, there are cooperative societies or employee associations, and these are permissible.