58 It is generally not credible to place an order in advance in the same city or above to collect the packaging fee of national loans, which may be a common scam. In this kind of scam, swindlers usually pretend to be the staff of financial companies or lending institutions, promise borrowers high loans and low interest rates through various means, and ask borrowers to pay the so-called "loan packaging fee", "guarantee fee" and "handling fee" in advance.

I suggest you apply for a loan through a formal financial institution or related website to prevent being cheated.