Not reliable. Intermediary bank loans are not necessarily reliable, and some intermediaries can't help customers approve loans, mainly to earn intermediary fees paid by customers. Banks are very strict in examining the qualifications of customers. The intermediary company claims that it has cooperation with the bank and can apply for a loan with low interest rate and good credit, and then draws five points. In fact, you can go to the bank yourself, and the intermediary company has no effect at all, just because the information is not connected.