The information about off-site loans on the Internet is a low-level scam. According to the law, microfinance companies are not allowed to lend across regions, so please don't believe it.
Small loan companies generally only do business in the company's location and will not cross regions. Remember a few principles. First of all, they don't trade online. They must submit the information to the loan company in person, and the loan company will send someone to check it. They won't charge their customers any fees before lending again. All expenses will be indicated in the contract and deducted from the loan amount. If it is unsecured, you will not lend money on the same day, and your financial situation will be audited.