Unreliable.

The reliability of online loan application is mainly determined by the borrowing platform chosen. Formal lending platforms need to check the user's credit report, and decide whether to lend based on the user's credit report. For this type of loan, even if users choose to apply online, it is relatively formal. Those financial institutions whose deposit limit may be only about a thousand yuan and whose usage period is only one week or even less than one week are irregular.

In general, whether online loan application is reliable still needs to be judged by the borrowing platform. If the lending platform is relatively formal, then the loan applied for online can be relatively formal. If the financial institution that the user applies to is not very normal, then the loan applied for online is not particularly formal.