How can we prevent being cheated by online loans?

When you borrow money, you must keep your eyes open and don't be cheated.

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Open a website, under the banner of a professional company.

Such websites are often branded as "loan companies" and "investment consulting companies", and sometimes the words "there are agencies all over the country" appear on the websites, with the purpose of packaging themselves and further defrauding the trust of small and medium-sized business owners. But if you look at such websites carefully, you will find that they generally leave no landline and address, only mobile phones or QQ. Even if they leave an address, they can't stand to look carefully.

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"Unsecured, Unsecured" and "Same Day Loan"

In many "online loan scams", attractive slogans such as "no mortgage, no guarantee" and "lending on the same day" often appear. These slogans hit the heart of the vast number of business owners and individuals who are in urgent need of funds. Generally speaking, the reason why the project party is rejected when seeking formal loan channels is often that there is no good mortgage assets or guarantee. In this scam, once the small and medium-sized business owners are hooked, they are required to pay a certain fee, deposit, etc. Before the loan, "because there is no need for guarantee and mortgage", some even require to pay interest for a certain period in advance.

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Pretend to be a formal institution

Some fraudulent companies highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and the domain name is only one or two words less than that of regular lending institutions. Most project parties need to be more cautious when making inquiries.

When we need a loan, we should pay attention to:

First of all, we should understand loan fraud and form a correct understanding that pre-loan charges are not allowed in formal loan business. Borrowers should not easily show personal information to strangers, and should not pay any fees in advance. Tightening your wallet is the last word. If it is difficult to determine the identity of the other party, you can ask the competent departments of industry and commerce and finance to check the contact information carefully.

Secondly, don't blindly look for loan information. Pay attention to the loan market at ordinary times. Only when financing is crucial can we remain in danger. We can apply for loans through banks and formal loan service platforms. Even if we seek private financing, we should maintain the principle of lending first and paying interest later.

At the same time, first, when you need to apply for a loan, it is the only correct choice to apply for a loan from a formal lending institution. A formal lending institution is an open business place with public contact information and business license, and you also need relevant procedures, such as the applicant's identity certificate and work certificate, when making a credit loan. 2. Banks and formal loan companies will not require borrowers to pay fees and other fees before applying for loans.