Four important things to note when applying for a credit loan online: 1. After finding a loan company, it is best to visit the company in person. Why do you need to visit the company in person? Because only in this way can you know whether it has a fixed business location, whether it has a business license, business license and other procedures. If the loan company you are looking for does not have these things, then it must be a scammer, and it is better to leave quickly. 2. When signing a loan contract, an interview must be required. If the borrower's qualifications meet the loan company's loan requirements, the loan contract will be signed after approval. At this time, the informal loan company will claim that "the contract can be signed by fax", etc. Anyway, If you refuse the interview with various excuses, you should pay attention at this time. Don’t foolishly think that this is a normal phenomenon. You must know that regular loan companies require borrowers to come to the company to interview and sign the contract. 3. Don’t pay any fees before getting the loan. I believe many people have encountered this situation when applying for a credit loan online: before the loan is obtained, the other party requires payment of handling fees, interest, deposit and other fees. In fact, this is a common trick used by scammers. Everyone must be careful. Regular loan companies charge interest, handling fees and other fees after issuing loans. 4. Don’t believe the claim that “you can get a loan with your ID card alone”! In fact, most of the borrowers who apply for credit loans online are not very qualified. Some scam companies seize on the psychology of such people who are in urgent need of loans and claim: they can get a loan with just their ID card! Although credit loans require borrowers to provide less loan information, it is not possible to get a loan with just an ID card as everyone imagines. Only scammers would offer such low conditions. 5. When choosing an institution, compare three loan companies. Although all loan companies and commercial banks now have credit loan products, there are large differences in expected annual interest rates, loan requirements, and loan costs. Therefore, borrowers should pay more attention when choosing a lending institution. Find a few to compare. In addition, compared with major state-owned banks and Chinese-funded banks, city commercial banks and loan companies have lower thresholds, so borrowers can give priority to the latter. 6. Keep your eyes peeled when looking for a loan from a loan company. Compared with banks, loan companies not only have lower thresholds but also provide loans quickly. However, there are also some scammers involved in disrupting the situation. Judging from the many examples of being deceived, scammer companies have the following problems: 1 , There is no fixed business location and contact information; 2. The loan threshold and expected annual interest rate of the loan are too low; 3. Refusing to sign the contract in person for various reasons; 4. There will be a fee before the loan. In addition, since credit loans do not require the borrower to provide any collateral (pledge) as security, the expected annual interest rate of the loan is higher than that of the mortgage loan. Everyone must be aware of this and beware of being deceived.