Regular small loan companies are only allowed to conduct business locally, and they should handle it in person. Do not charge pre-loan fees or withhold interest, and never use personal bank accounts to charge fees.
Note that all credit card, financing and loan businesses handled in different places and based on the Internet platform are basically scams, especially those that charge pre-loan fees such as material fees and personal insurance fees, charge fees from personal bank accounts, or require to deposit money in their own cards first.