Regarding whether it is reliable to sign a special loan on WeChat, my conclusion is that there are certain risks in signing a special loan, which needs careful consideration, depending on the user's own risk tolerance and capital demand. The reasons are as follows: First, there are a lot of false information and scams on social platforms. When dealing with strangers, you need to be extra careful to avoid being cheated. Secondly, in some cases, the interest and liquidated damages of a special loan may be high, which has a certain "trap" nature. Especially in the case that personal credit is poor and it is difficult for borrowers to borrow money through formal channels, signing special loans may become a more demanding choice. Finally, compared with formal financial institutions, the signing of special loans involves relatively high legal and regulatory risks, and the protection of the rights and interests of both borrowers and borrowers may not be perfect. Therefore, when choosing a borrower or lender, users need to carefully analyze their own situation, weigh the pros and cons before making a decision to avoid unnecessary losses.