1. Check the qualification of this platform. There is a company behind the platform. Check the software company first, and then see if the company has the loan qualification. Secondly, go to the "National Enterprise Credit Information Publicity System" to query company information and judge its strength. If you don't find it at all, you need to pay great attention. Could be a fake company.
2. See whether the platform charges before the loan. The formal loan platform will not charge any fees before lending. If the platform charges fees, membership fees, service fees and so on for various reasons. Before the loan, it was fraud. Please be careful not to pay.
3. Look at the lending process and application threshold of the platform. Not everyone can get a loan. Credit loans generally rely on personal credit information. To calculate the loan amount in advance, you need to provide personal ID card, mobile phone number, personal income, work unit and other information to judge your credit information and repayment ability, so as to decide whether and how much you can borrow. The basic process is necessary. It's too simple. It's basically a lie to get a loan just by the ID number. Moreover, people with poor credit information can't get loans, and it is also deceptive to say that they can get loans by paying money.
4. Look at the loan interest rate of the platform. The interest rate is very low, so don't be secretly happy. See if there's a routine. Platform operation needs funds, and too low interest rate is abnormal. Some interest rates are written very low, but they are actually very high, and the real interest rate is hidden. If you accidentally get a loan, you may have to pay high interest. You'd better do the math yourself first.