What should I do if I receive the SMS link of micro-loan and sign a loan contract?

Receiving the SMS link of micro-loan and signing the loan contract, if the loan is written, it only proves that both parties have agreed to borrow money, and the loan relationship has not really taken effect. In this case, you can directly refuse to pay any fees and inform you that you have not received the loan to cancel the loan. If the other party claims to have signed the contract, there is no need to repay according to the contract. The loan contract comes into effect after being signed by both parties, and the validity of the contract will not be affected because there is no loan.