Nothing on the Internet is reliable. Formal small loan companies are only allowed to do business locally. You must go to the company in person, and you are not allowed to charge pre-loan fees or withhold interest. They will never use the bank account in the name of an individual (so-called legal person, manager or financial controller) to collect fees. For example, small loan companies in Beijing are only allowed to issue loans within the districts and counties where they are registered. The business beyond the geographical scope and the business based on the network platform are scams, which should be companies that cheat or defraud in the name of regular companies.