Don't look around the Internet. Regular small loan companies are only allowed to do business locally. They should handle it in person. They are not allowed to charge pre-loan fees or withhold interest, and they will never use personal bank accounts (so-called legal persons, managers and financial leaders) to collect fees. For example, small loan companies in Beijing are only allowed to issue loans within the districts and counties where they are registered. The business beyond the geographical scope and the business based on the network platform is a scam, and it should be a company that cheats or cheats in the name of a regular company.