1. Don’t believe in advertisements. Remember, there is no free lunch in the world. Those low-threshold, no-threshold, and unconditional loans often have hidden dangers and may be tricked. Be sure to choose a regular loan platform.

2. Check the qualifications of the loan company. Since criminals generally solicit business in the name of "small loan companies", they actually have no financial qualifications. Therefore, before borrowing money, the borrower must check the information of the relevant company to see whether it is formal.

3. Don’t sign a loan contract arbitrarily. You should carefully read the contract before signing it. What you write and what you say should be consistent. Write down the amount of the loan and the amount of interest. Anyone who verbally guarantees the amount but refuses to write it into the contract will do so. Never sign.

4. Be cautious when signing a contract. Borrowers should be wary of overbearing clauses such as "cash discounts", high penalty rates, and compound interest to avoid letting the loan snowball. In order to develop in a certain way, we must avoid falling into the trap of "routine loans". Read the content carefully, and be sure to fill in the blank spaces clearly or cross them out, and do not give the other party the opportunity to forge, tamper with, or make additions. Don't listen to the lender's rhetoric, sign or write false information.

5. Be sure to keep evidence of any money transactions. Especially for cash transactions, remember to take photos, record videos, or operate in places with video surveillance. You can also find a few more disinterested people to witness the transaction. The return of principal or payment of interest must be remitted to an account confirmed in writing by both parties, and a receipt is required for cash delivery.