Unreliable, deceptive. Be careful not to be cheated. Thank you.
Second, is online lending credible?
Online lending is real. At present, there are many online lending platforms, such as Renren Loan, Renren Loan, PPmoney Online Loan, Micro-loan Network and Pleasant Loan. These online lending platforms all have formal business licenses. If necessary, you can apply for a loan in official website.
Precautions:
If the other party gives you low requirements, don't believe it, for example; I'll let you sign the contract after a brief conversation.
After signing the contract, you will be asked to pay all kinds of fees. Don't believe it. Don't believe what you say to prove something.
Don't trust the phone that always urges you for a loan.
Don't trust anything without any mortgage.
Don't believe it without a guarantor.
The guarantee or mortgage is credible, and there will be no pie in the sky.
Many illegal online "loan advertisements" are propagandists in disguised form, publicly publicizing violations such as credit card cashing. For example, some companies that publish "loan advertisements" do not have the qualifications to engage in financial business, and some have not even been registered by the industrial and commercial departments. These loan intermediaries generally charge a high proportion of agency fees, and their fees, management and constraints are all outside the supervision system. For another example, many advertisements claim that short-term loans can be issued unconditionally and quickly, which are basically private high-interest loans, hiding great risks! ! !
3. Is it reliable to apply for a loan online?
You might as well apply for it yourself.
Fourth, online loan applications are not reliable.
1. First of all, not all loans are non-loanable. Loans from formal financial institutions or banks can be trusted, such as Huabai loans in Alipay, micro-loans in WeChat, IOUs in JD.COM and so on. When you are in urgent need of emergency funds, you can choose to handle these online loans to ease the financial pressure, which is more convenient and faster than traditional bank loans, and the interest is much lower than private loans. However, friends should also do a good job of fraud prevention when borrowing money. When you encounter the following three kinds of loans, you must apply carefully.
This program is too simple to be trusted. In recent years, peer-to-peer lending has attracted a number of borrowers with its simple application and fast payment. However, a good application does not mean that there is no threshold for application. If the application procedure for borrowing is too simple, everyone should be careful. Some criminals seized the borrower's psychology of needing money urgently, and lured everyone to apply under the slogan of "You can lend money quickly with only one ID card". Once everyone fills in the information, they fall into the trap of a liar.
3. The loan interest rate is too low to be trusted. Although the amount of online loans is not large, the loan interest is not always low. Let me remind you that the loan interest rate has nothing to do with the loan amount. Lending institutions determine the loan interest rate according to the borrower's conditions. Don't be misled by the low interest content in advertisements.
4. You can't sign the contract in person, which is not credible. You'd better sign a loan contract in person when you apply online. If the other party refuses, it means that the loan platform is tricky. After all, there are countermeasures in the world and policies in the bottom, and the deception of scammers is constantly improving.