1. Understand the company background and qualification of the platform. First look at which company is behind this platform, and then verify whether there is loan qualification. Not all companies can borrow money, which usually requires the approval of the central bank. Check the company's business license and other information to judge whether it is true or false.
2. See if there is any pre-loan charging behavior on this platform. There is no charge before the formal lending platform lends money. If the platform charges for various reasons before lending, the deposit, membership fee or so-called service fee, no matter how much, is fraud.
3. Understand the loan interest rate of the platform. If the rate is too low and attractive, then pay attention to whether it is really low or there is a routine in the middle. I suggest you do the math yourself. Many fake platforms will give you an interest, but when you actually want to repay, you will find it is a usury, which is too late. So be careful.
4. Look at the loan process and application threshold. Generally speaking, not everyone can get a loan, and the loan process should not be too simplified. If the platform induces that you only need an ID card to get a loan, but you can get a loan without looking at personal credit, it is also very likely to be deceptive. The general process of loan needs to provide basic information such as ID number, mobile phone number and personal income to judge whether you have repayment ability, and the platform should also worry that you will not repay. The other is personal credit reporting, which will affect credit reporting when calculating the quota. By then, it will be difficult for banks to borrow money on the formal platform. Therefore, it is absolutely false to say that you can get a loan without a credit report. Don't trust it.
This kind of fake platform generally charges in advance, or the interest is particularly high. If you are cheated, you'd better call the police in time.