Is it reliable to apply for loans online?
How to judge whether the online loan application is reliable?
1, contact information judgment
Formal lending institutions have fixed business premises and contact information, while informal lending institutions generally only have a mobile phone number or QQ number, and will not leave a fixed landline number, so pay attention to the contact information of this institution.
2. According to the loan threshold
At present, there are many loan platforms in the market that advertise "loans only by ID cards". Please don't trust this kind of loan with extremely low threshold. It's simple. If you are a borrower and someone with poor conditions comes to apply for a loan, will you let him pass?
3. According to the loan interest rate
Institutions with lower application threshold tend to charge higher interest because of higher loan risk. If the loan product is "low threshold and low interest", it obviously does not conform to the market rules, so lending institutions with low interest rates must be careful.
4. Is there a charge before the loan?
Regular online loans do not charge fees in advance. If he charges your service fee before the loan, he is mostly a liar, which should be noted.
5. Do you have a business license?
Borrowers can log on to the website of the industrial and commercial department to see if the company to which the loan platform belongs is registered, and whether the registrant and registered capital are worthy of attention.
Is it reliable to apply for loans online? There is a reliable platform for online loan application, but we also need to learn how to judge whether the platform is formal. If you are cheated, your personal information will be leaked, and in serious cases, you may lose money.