1. Don't pay any fees before lending.
Although there are many names of swindlers, most loan scams have so-called "advance charges"! Formal loan companies will not charge borrowers any fees (including interest) before issuing loans. Therefore, if the loan company asks you to pay this fee before lending, you should be careful. It can basically be judged as paper fraud!
2. Check whether there is a business license.
Although loan companies don't need franchising like banks, their consulting and agency business needs license registration certificates issued by industry and commerce, taxation and other departments. When choosing an intermediary company, the borrower should first check its business license and other documents, and try to choose a company with a certain reputation.
3. Check whether there is a fixed business place and contact information.
Regular loan companies have fixed business premises and contact information, while fraud companies generally only have a QQ number or a mobile phone number, so I suggest that after you find your favorite loan company, you'd better visit it yourself.
Or, according to the business address stated by the company, you can get the address and contact information of the formal institution by inquiring on the local industrial and commercial portal website. If it is different from the information you see on the Internet, there is no doubt about it.
Q: You met a loan swindler.
4. It is not credible to rely solely on ID card loans.
Some loan companies claim that "you can get a loan with your ID card", but is this credible? while
But not credible! Put yourself in your shoes: If someone borrows money from you and only shows you your ID card, will you lend him money? Absolutely not! Because you can't determine from his ID card whether he has the ability to repay in full and on time, which is normal.
The loan company considers the same problem as you, so you'd better take a detour when you see a company that claims to be able to borrow money only by ID card.