Wanhehua loans are unreliable. Some netizens complained that the Wanhehua platform charges before payment. First, you will be informed of the loan limit, and then asked to fill in the information. Then the platform will help you plan repayment in installments, collect service fees, and then push the user to other platforms to continue the same routine. It is also a "routine loan" and is suspected of fraud. Nowadays, there are many online loan schemes and it is easy to be cheated.