Is the unsecured loan of Guangdong Yin Da Financing Guarantee Investment Co., Ltd. reliable?

Yin Da guarantee should be a formal company, the money you borrow comes from the bank, and you pay interest to the bank; Yin Da guarantees the bank for you, you pay the guarantee fee to Yin Da, and at the same time you provide counter-guarantee to Yin Da. If the above matters are met, it should be reliable. Remember, don't pay first.