Legal analysis: unreliable. Formal lending platforms usually do not charge pre-lending fees for any reason, so be vigilant when encountering them. If you need money badly, you can consider taking out a loan to relieve the pressure. At the same time, you should try your best to make money. There are many ways to apply for a loan now. You can apply for a bank loan by mortgage. A more convenient way is to apply for a personal credit loan. It is suggested that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

Legal basis: Article 679 of the Civil Code stipulates that the loan contract between natural persons is established when the lender provides the loan.

Article 680 of the Civil Code prohibits high-interest lending, and the interest rate of borrowing shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.