Not reliable. There is no such thing as helping loans. Loans must be approved according to personal credit information, and there is no shortcut.

First, common loan fraud

1. Scam 1: No guarantee is required.

Many online loan advertisements advertise that their home loans are "unsecured and unsecured". In fact, they use these false advertisements to attract those who are in urgent need of loans and guide them into scams. This kind of fraudulent loan has almost no loan conditions, no mortgage, no guarantee and extremely low interest. But this is neither, nor does it set a threshold. Is there really such a good thing? Borrowers should think carefully.

2. Scam 2: The loan must be repaid first.

Generally speaking, formal lending institutions will not charge any fees before the loan is successful. Therefore, if the borrower needs to pay the handling fee and other expenses in advance when applying for a loan online, then there is a 99% chance of encountering a liar.

3. Trick 3: Just need an ID card.

Mortgage loans need collateral, and borrowers need stable jobs, bank salaries and good personal credit to successfully apply. There is no such thing as a loan with only one ID card. If when you apply online, the other party says that you can get a loan with your ID card, then the other party must be. Don't be cheated.

4. Scam 4: You don't need to meet and fax the contract.

Although online loans can submit application materials online, they usually choose to sign the contract in person in the end, so the other party says "no need to fax the contract in person", so you really have to think about it. Don't fall into the trap.

2. Personal loan channels

1, personal loan channel of online loan platform

Online lending platform should be the choice of most people now, and its main features are: unsecured, relaxed in review, fast in lending, pure credit loan, simple and convenient in operation, and generally low in quota. Now the loan platform is also divided into P2P loans and B2C loans. P2P loan is person-to-person, the typical representative is Lending Treasure, B2C loan is company-to-person, and the typical representative is China Mobile's mobile phone loan. Although the loan platform has many advantages and is suitable for small people, we should also pay attention to our own information security. When choosing an online lending platform, it is necessary to examine whether the platform background can bear certain risks. For example, the products of China Mobile mentioned above are state-owned products, which are relatively safer.

2. Bank loan channels

Compared with the other two channels, banks are the most acceptable loan channels. The main characteristics of bank loan channels are complex procedures, long process, strict conditions and short cycle. You are more at ease in all aspects of bank loans. Don't worry that if you don't see the contract clearly, you will bear high interest and fall into the trap. You don't even have to worry that someone will threaten you at your door with a knife when you really can't afford it. However, banks are not suitable for everyone to choose loan channels. On the one hand, it is because the application conditions are harsh, there are too many restrictive clauses, the procedures are too complicated, time-consuming and laborious, and sometimes it may not be completed in one year; In addition, the loan period is relatively short, and long-term investment can rarely be loaned; Finally, the loan amount is relatively small, and it is difficult to solve all the funds needed for enterprise development through banks. Especially in the start-up and start-up period, it is difficult for enterprises to obtain bank loans because of the high loan risk. Bank loans are mainly personal housing loans, or commercial loans are more appropriate.

3. Lending company channels

The channel characteristics of loan companies are: offline application, fast approval speed and low handling fee. It is very fast to approve loan applications in loan companies, and you can also enjoy high-quality credit services. However, loan companies also have certain risks. On the one hand, loan interest is much higher than that of banks, and some loan companies will charge a certain fee. On the other hand, loan companies are mixed, and if they are not carefully distinguished, they will easily fall into the trap of the company.

Today, my friend said to give me a personal credit, about 500 thousand. Is it credible?

Hello, I can't believe it. The loan amount is the amount approved by the financial institution according to your personal assets and credit report.

Is online private lending reliable?

It's just unreliable.

Private lending is not reliable. They will ask users to pay a service fee in advance, which is an upfront fee and an unprofessional new charging item, and it is usually not easy for the other party to lend money to users after charging.

Private lending is obviously a kind of deception, so you must be careful when borrowing money. The more such small advertisements, the more vigilant we should be. Most people who are cheated by online loans believe in these small advertisements. Those who claim that they can get loans with their ID cards have incredibly low interest rates and many hidden traps. You want to borrow money from him, he just wants to cheat you out of your money.

This concludes the introduction of the credibility and legitimacy of personal-to-personal loans and personal-to-personal loans. I wonder if you have found the information you need?