Fake. This is a marketing advertisement. As long as someone has applied for a loan, no matter what loan software it is, other platforms seem to know this news, and then keep sending some information to this user: the application quota has passed, and how much quota will be refunded soon. However, after you actually link in from that short message, you still have to fill in some application materials, and finally you have to make a sum of money according to the actual amount of audit. These short messages can be defined as spam messages, but the number sent each time is different, and the system can't identify the blocking.