Borrowing from a regular loan company will not charge the borrower any fees before lending. Therefore, if the borrower encounters pre-loan charges online or when the company handles loans, you can immediately identify it as an irregular fraud company.
2. Formal loan companies are closely integrated online and offline.
Ordinary loans are often difficult to complete transactions directly online, and loan companies need to judge whether they can lend or make corresponding loan scheme suggestions according to the actual situation of borrowers. Therefore, formal loan companies often take the network as an open product display platform and offline service as the actual carrier, and choose face-to-face signing when signing contracts. Because regular loan companies have business licenses and office space. If you meet a company that requests to sign a loan contract by fax or without meeting, you should be vigilant to prevent being cheated. There is no business license, no company name, no formal business premises, and no formal contract text. Generally, they only have one mobile phone or website.
3. The loan process of formal loan companies will not shrink.
The process of handling loans in formal loan companies is relatively complicated, and borrowers need to provide various materials. In case of mortgage or pledge loan involving physical objects, such as house mortgage or car mortgage, the physical objects will be evaluated and inspected. On the contrary, fraudulent companies often attract customers to apply for loans with extremely low loan threshold, almost no interest and fabulous loan speed. After trapping customers, unconsciously let customers pay the bill. At the same time, if the loan requirements are particularly low, will those institutions that generally claim that "loans can be made only by ID cards" lend without "judging whether you have the ability to repay in full and on time"? Be careful when you meet this kind of organization, it is likely to be a fraud company.