The credibility of online loans can be identified from the following aspects:

1, depending on the time: it is the time when the platform went online, at least one year. Generally speaking, a long time is more reliable than a short time.

2. Look at word of mouth: A good platform generally has a good word of mouth and will have some positive reports in some mainstream media.

3. Look at information: information disclosed by the platform, such as operating company, registered capital, legal address, corporate executives, overdue and bad debt rate, etc.

4. Look at the strength: only look at the strength of the investment platform company, and choose a registered capital of more than 6,543,800+million.

5. Look at the background: Generally speaking, the platforms of the State-owned Assets Department and the Banking Department are more secure.

6. Look at the purpose: the key information such as financing object and financing purpose should be diversified. The goal with the same name and the same surname and vague key information is either self-financing or taking money to lend usury. Be careful.

7. Look at the interest rate: generally, the risk of an annual interest rate exceeding 15% is not small. After all, investment is not gambling, so there is no need to gamble on luck. In addition, those who rely on cash back to attract investors should be careful. After all, our goal is the return on investment, not those so-called returns.

8. Look at the guarantee: Does the platform have an investment guarantee company to guarantee the project?

I hope I can help you.