It is best not to make some small loans online, because their interest rate is extremely high, and there will be many regulations that are not conducive to repayment when signing the agreement. In case of breach of contract, they will call all your relatives and friends and ruin your reputation. You think you can protect your address book, but they are better than you. The best way is not to borrow from them. If you have any difficulties, I suggest you borrow it with the ants in Alipay, which is particularly reliable and formal, with extremely low interest and won't explode your address book.