1. Positive answer

If the platform where you apply for a loan charges a service fee, if it is a regular fee, such as installment fee and early repayment fee, then you can pay it according to the regulations.

2. Specific analysis

If the fees are unreasonable, such as service fees for membership activation, service fees for unfreezing loan funds, deposits, etc., it is recommended not to pay them.

You must know that any formal loan platform approved by the China Banking Regulatory Commission and holding a financial license will generally not charge any fees before the loan is disbursed. If you pay money, it will probably not be returned. In fact, it is equivalent to paying "head interest", and your personal money will inevitably be damaged. There are even some small loan platforms that will simply "take the money and run away", and then they will not lend money anymore, and they will not be able to contact anyone.

It is best to give up the loan directly from the platform and apply for a new loan from other licensed consumer financial institutions. You can also unbind the bank card and directly cancel the loan account on the platform; you can also apply to the local Report to the China Banking Regulatory Commission or the Internet Finance Association.

Now is the era of credit. Once credit is stained, many things will be difficult to achieve. Online loans are also the source of big data. Once the big data is confused and is listed as a high credit risk, it will affect credit reporting and life restrictions. People who don’t understand credit reporting and big data can check themselves at: Beijian Quick Check Credit data, understand your own credit data, loan records and risk status, etc., to help everyone pay attention to protecting their credit records.

3. Is the platform that charges a handling fee first when applying for a loan reliable?

Platforms that charge handling fees first when applying for loans are unreliable.

After all, consumer financial institutions that are approved by the China Banking Regulatory Commission and hold financial licenses usually do not charge any upfront fees before the loan is disbursed. Charging before disbursing is illegal.

If you borrow money from a certain platform, the other party will ask you to pay the money first on the grounds that the bank card provided requires a pre-deposit of funds to prove your identity, or that the bank card number is wrong and the funds are frozen and you need to pay to unfreeze it. If so, be sure not to hand over the money easily. Most of the time the other party is charging "head interest" in disguise, which is actually a fraud.

In this regard, the correct approach is to refuse directly and then give up the loan (if you have financial needs, it is recommended to find another loan platform with a financial license to borrow again). In order to prevent subsequent harassment by the platform, you can also try to cancel the platform account and unbind the bank card; at the same time, you can collect evidence to report. If money is paid and financial losses are caused, you can also file a lawsuit with the local people's court; or report the case to the local public security department.