Don't believe it. If you want to find private lending, you must find your local formal private lending company, not online. Generally, this kind of company will charge some fees or deposits in advance, and when you remit the money, you can't find anyone, or promise not to charge any fees in advance, and then sign a contract with you. Be careful when signing the contract. There will be a fine print in the contract, indicating that the borrower must pay the deposit first, otherwise it will be treated as a breach of contract. If you need money to sign a contract urgently, you have to compensate them for the deposit as soon as the contract is signed.