Reason:

1. Lack of credit: Wan Li Finance may have a poor credit record, which may mean that they have problems or unreliable behaviors in their past business.

2. High interest rates and fees: They may charge high interest rates and fees, which will make borrowers bear greater economic pressure in the repayment process.

3. Opaque terms: There may be vague terms in the loan contract of Wanli Finance, which may hide unfavorable conditions or traps for the borrower.

4. False propaganda: They may use false advertisements to attract borrowers, but the services actually provided do not match the promises of propaganda.

5. Lack of supervision: If Wanli Finance is not supervised by relevant institutions, borrowers will not be able to rely on the law to protect their rights and interests.

Summary:

For the above reasons, Wanli financial loan is not reliable. It is suggested that borrowers should look for financial institutions with good reputation, high transparency and supervision to conduct loan transactions in order to protect their rights and interests and the safety of funds.

Extended information related to the problem:

When choosing a lending institution, the borrower should carefully study and understand the reputation, interest rate, contract terms and whether it is regulated. You can refer to the suggestions of consumer protection organizations to ensure the selection of reliable lending institutions. In addition, borrowers can get more information about financial institutions by communicating with existing customers, consulting professionals or reading independent evaluations.