Where are small loan advertisements generally posted?

Don’t be fooled again, be careful of these scams

In recent years, small loan companies have sprung up like mushrooms after rain, and various small loan advertisements have spread all over the streets. For those who have poor qualifications and have no access to bank loans but are in urgent need of money, finding a small loan company to apply for a loan has a simple process and fast disbursement, so it is an option. But precisely because they lack understanding of small loan companies and are eager to ask for money, it is very easy to fall into the scam carefully designed by scammers, resulting in a situation where both people and money are lost!

I can’t help but feel a little excited when I see advertisements like “No mortgage, only ID card required, fast loan, credit received the next day”! I want to get a loan with the simplest process and the shortest time, but I also fall into the trap of scammers.

In order to ensure the safety of everyone’s wallets, today I will analyze for you how companies that cheat loans cheat money!

1. No mortgage or guarantee

There are many advertisements on the Internet that rely on the gimmick of "no mortgage, no guarantee, guaranteed loan" to attract those who are in urgent need of money. These people take the bait, and the scammers can easily get money from them.

Small loan companies that use this kind of advertising to attract customers are just asking you to pay various fees in advance. After the borrower pays the fees, they use various excuses to shirk the application. Isn’t it necessary to apply again? When I go to the bank, I encounter all kinds of problems and are still in the process of processing. In fact, the loan is delayed again and again. Some scammers even shut down the phone, change the card after getting the money, and disappear from the borrower's eyes. Without a trace!

Although the lending time of formal companies is much shorter than that of banks, they still need to go through some procedures, submit relevant information, and sign a contract to issue loans after investigation and review by the small loan company. .

In addition, formal company requirements are relatively strict. Not everyone can borrow money casually, and there are very few banks on the market that can provide unsecured and unsecured loans. It is understood that Citigroup, Standard Chartered Bank provides unsecured and unsecured loan services, and other companies do not have such capabilities.

Therefore, most of the small loan companies that promise to provide loans without any mortgage or guarantee without setting any loan conditions and thresholds are scammers. Therefore, consumers must investigate clearly before applying for a loan to avoid being scammed. The liar is fooled!

2. Fast procedures, low threshold, high quota, low interest rate

For those who are in urgent need of money, who doesn’t want such good things as high quota and low interest rate? I feel a little excited when I think about being able to get a loan of more than 100,000 yuan in a short period of time! But there will be no pie in the sky! Generally speaking, only fake companies will promise borrowers high loan amounts and low loan interest rates, and the review speed is very fast, and the loan can be issued on the same day.

When a company promises a borrower a loan amount of RMB 50,000 to RMB 100,000 with an interest rate of only 1, the borrower should pay attention. This company may be a scammer. Formal companies can only apply for loans to customers who meet the requirements, and the loan amount will not be too high. Because this group of people are at greater risk, they will not lend money to customers casually during the review. Generally, Generally speaking, customers are required to come to their homes in person to apply for loan services.

If a loan company has fast procedures, low thresholds, gives you a high credit limit, low interest rates, and promises to lend money on the same day, 90% of them are scammers! Everyone must be more careful!

3. You can get a loan with just your ID card

Among the many scams, the most common one is that scammers pretend to be "you can get a loan with just your ID card"! Most of this happens in credit loans, but no matter what the conditions are for the loan, providing ID is a must! Can I get a loan with just one ID card? That 100 is a liar! Why do you say that?

Because whether you are applying for a loan at a bank or a company, the borrower needs to provide the information required for the loan, such as: ID card, bank statement, credit report, work certificate, marriage certificate (married) People), etc., some also require social security and provident fund certificates. Different loans require different information, but no matter how you say it, these are evidence that you have a certain financial income, good credit, and a stable job! Why would a lending institution lend money to a borrower without providing his/her personal certificate?

Therefore, small loan companies that can apply for loans with just their ID cards must be scammers! Don’t believe it, everyone!

4. Charge fees before lending (deposit, handling fee, management fee, benefit fee, etc.)

Anyone who charges before lending and pays first is definitely a liar! This is the most common method used by many false scammers, and it is also a tried and tested trick.

Generally speaking, scammers will use various excuses to ask borrowers to advance deposits, handling fees, etc., or falsely claim that someone in their bank needs to be managed, and then charge benefits and management fees to borrowers, but when After the borrower prepays the fees, two situations will occur:

The first is that the scammer will continue to lure the borrower after seeing that the borrower has taken the bait, and let the borrower send money to him three times in succession, which is what we often do. It is said that the amount is small and many times. After the borrower has made several payments, the scammer will take the money and leave, change his appearance, and disappear.

The second type is that the scammer will charge a certain amount of deposit and benefit fee from the borrower at one time, which is what we often call a one-time deal. After receiving the borrower's benefit fee, the scammer will immediately shut down the phone and change the card, and then disappear.

No matter what happens, it proves that the borrower has been cheated! Formal companies charge fees first and then charge. They will not charge fees before lending. Anyone who charges fees from borrowers before lending money is a liar! So everyone must be careful!

So the question is, how should we identify formal companies?

1. Company business scope: A formal company can only conduct business within the scope of its registration place (a certain county or a certain district of a certain city). 80% of those who boast that they can apply for loans in Haikou are liars! In addition, all of them can be processed remotely just through the Internet.

2. Company registration information: Formal companies are approved by the provincial financial offices and registered with the local industrial and commercial department. They will have a business license. The borrower can check the registration information on the local industrial and commercial bureau website, or log in to the company The credit information formula system is used for verification. At the same time, the formal company contact number will be a fixed number, and no personal phone number will be left.

3. Loan approval: When formal companies conduct loan approval, they will require the borrower to come to apply for the loan in person, communicate with the borrower in person, and require the borrower to provide detailed information. , some even require small loan companies to go to the home in person to investigate, while scammer companies will promise borrowers fast approval and a simple process!

4. Loan fee collection: Regular companies will first lend money and then charge fees. They will not charge fees in any name before lending money. Anyone who charges money before lending money is a liar!

When everyone is in urgent need of money, the first thing they should choose is a solution channel that is more suitable for them.

Of course, the support of family members is naturally the first step. After that, you should first check what conditions you meet. If you have fixed assets in your name, it is recommended that you go to the bank to find out some information.

Secondly, you can ask your friends around you if there is a professional credit manager you are familiar with. Don’t be afraid of being embarrassed. In this era, people who cannot get loans are embarrassed.

If not, you can check in your circle of friends. Basically there will be one or two practitioners, and then communicate with them to find out whether the institution where the credit manager works is formal and whether the credit manager is familiar with various types of products in the market. For loan business, rate it in your mind whether it is professional or not.

Then conduct a second communication, meet and communicate, and understand the company he works for. If the credit manager is a long-term and professional credit manager, then he has in-depth relationships with various lending institutions, including banks. Cooperate and the other party will make a detailed financing plan for you based on your situation to ensure that you can obtain a higher amount and lower cost borrowing fees.

The most awesome and humorous loan advertisements

1. Use tomorrow’s money to realize today’s dream.

2. “Loan” brings hope, “deposit” brings glory!

3. Our bank’s loans are different; humanized loans can satisfy your wishes.

4. If you are short of money, we are destined!

5. Thousands of wealth, your wealth

6. Thousands of wealth, "golden" service. .

7. Thousands of fortunes bring prosperity and a bright future.

8. Thousands of fortunes are a gas station on the road to success.

9. Faith (lucky). ) Get Qianye and enjoy happiness.

10. For honest loans, Qianye is the first choice. 11. Qianye Wealth is the financial service platform around you. >12. Careful service, honest loans.

13. Professional loans, good at financial management.

Extended information:

Smooth loan advertising slogan:

1. Qianye Loan is loved by the people

2. It paves the way for money and leads the dream.

3. The new concept of loan is more convenient.

4. Qianye Wealth, Financial Management Experts

5. Choose Qianye Wealth, and take the road to success

6. Thousands of Wealth, the heart. Commitment, new services.

7. Qianye Wealth’s convenient loans and honest services win the future. 8. Qianye Wealth’s loans are wonderful.

The slogan of the loan advertisement is domineering, funny and long.

1. Use tomorrow’s money to realize today’s dream.

2. “Loan” to hope, “save” to achieve glory!

3. Our bank’s loans are unique; humanized loans meet your wishes.

4. If you are short of money, we are destined!

5. Loan conditions:

1) Have a fixed residence or valid residence certificate in the location where the loan is located, be between 18 and 60 years old (inclusive), and have full capacity for civil conduct Chinese citizens;

2) Have the ability to repay the principal and interest of the loan on time;

3) Have a good credit record and willingness to repay, and no bad credit record;

4) You must have no bad records in the bank;

5) If you have a monthly income of more than 2,000 yuan, you can apply for a loan if you meet the conditions.

Collection of Advertising Slogans

The company is developing rapidly, and competition with each other is inevitable. Various advertisements are deeply rooted in the hearts of the people. With a good advertising slogan, half the battle is won. Here are some advertising slogans for everyone to use as a reference for small loan companies.

1. Lending a better life.

2. Integrity is gold, and reputation is paramount.

3. Integrity and credit are widely established, and we work together to achieve great success and become wealthy.

4. Create the first pot of gold and become the bridge to wealth.

5. Create wealth through loans and help.

6. If you have a good loan reputation, you will get rich.

7. Build your reputation and pave the way to wealth!

8. Credit, golden quality, the bridge to wealth!

9. Credit will help you get rich!

10. You develop, I will try my best!

11. Create a great future.

12. Find credit and pave the way to wealth.

13. The road to wealth is on the shelves, and everyone knows about integrity and credit.

14. If you are short of funds, you can provide help in times of need and have a good reputation!

The above is a collection of advertising slogans compiled for everyone. Have you got it?

That’s it for the introduction of small loan advertisements.