Personal small loans, choose regular bank loans as much as possible, and don't blindly trust mobile phones or Internet information. Some unsecured loans with too loose conditions often hide traps, and interest must be paid before the loan is received, which is very likely to be a scam.

The interest rate of cash loans is abnormally high and opaque, which implicitly breaks through the legal red line and increases the burden on borrowers. The cost of the cash loan platform is generally divided into two parts: interest and handling fee. If all expenses are converted into interest, the interest rate is amazing.

In order to circumvent the law, some platforms often charge fees in the name of information audit fees, management fees and service fees. , deliberately concealing ultra-high interest rates. At the same time, some cash lending platforms regard barbaric collection as an important means of risk control, which may lead to a series of adverse consequences.

Extended data:

Be wary of online loans.

1. Establish a website under the banner of a professional company.

This kind of website often takes the name of "loan company" and "investment consulting company", and sometimes the words "there are agencies all over the country" appear on the website, with the purpose of packaging themselves and further defrauding the trust of small and medium-sized business owners. However, if you carefully observe such websites, you will find that they generally leave no landline and address, only mobile phones or QQ, even if they leave an address, they can't stand careful inspection.

2. "Unsecured, unsecured" and "Lending on the same day"

In many "online loan scams", attractive slogans such as "unsecured, unsecured" and "lending on the same day" often appear. These slogans hit the heart of the vast number of business owners and individuals who are in urgent need of funds. Generally speaking, the reason why the project party is rejected when seeking formal loan channels is often that there is no good mortgage assets or guarantee. In this kind of scam, once the small and medium-sized business owners are hooked, they need to pay a certain fee and deposit. Before the loan, "because there is no need for guarantee and mortgage", some even require to pay interest for a certain period in advance.

3. Pretend to be a formal institution

Some fraudulent companies highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and their domain names are only one or two words apart from those of regular lending institutions. Most project parties need to be more cautious when making inquiries.

4. Online transfer scam

In the online transfer scam, the swindler will claim that the money needs to be transferred to the intermediate account, and then let the SME owner enter the bank account number and password on the forged bank website or the tampered website to defraud the funds in the SME main account.

Xinhuanet-The police warned against the "online unsecured loan" scam.

Baidu encyclopedia-network loan