1. Look at the loan qualification of the company behind the platform. Not all companies are eligible for loans. Some companies just have a name, but they are not qualified to borrow from the central bank. You can also go to the "National Enterprise Credit Information Publicity System" to inquire about company information. If you can't find it, it means there is something wrong with the company.
2. See whether the platform charges before the loan. The formal platform will not charge any fees before lending. If the platform charges fees before lending on the premise of ensuring lending, it is fraud, and it is best to stop the next step immediately.
3. Look at the lending process of the platform. Formal lending platforms have processes. The amount will be measured before lending, and information such as ID number, mobile phone number, personal income and work unit is required. After that, the credit line will be decentralized according to the credit information and repayment ability, and the loan will be released after approval. If there is a platform to induce you to get a loan only with your ID card, you need to be cautious, and the process is too simple and abnormal.
4. Look at the loan interest rate. The interest rate is very low, so don't be complacent. Maybe it's to fill in your identity information for routine. If the interest rate is high, it may not be directly and clearly displayed. Liars will hide the real interest rate until the actual repayment, so be careful.
5. Look at the loan threshold. Not everyone can get a loan, the credit information is too poor, and there is no loan on the formal platform. Those who say that they can borrow money on this platform are also likely to be swindlers, either private loan sharks or cheat you into paying membership fees, and it is unlikely that they will come back.
The above five items are for reference only. Online lending must be cautious, and the disclosure of identity information is also very dangerous.