Many small loans are closely related to banks. To put it bluntly, it is to help banks lend money, and some also help banks take risks.
Other small loans, such as car loans, have intermediaries. You have to find out who is the subject of both borrowers and borrowers, who is Party A and who is Party B. When the lender deals with individuals, please verify their names and who represents which company before the transaction.
Why? Because the middleman is likely to charge you fees (most of these fees are illegal, and it is likely that there is no evidence of cash transactions). These expenses are paid for nothing, and they are not included in the loan amount and will not be deducted. In other words, it has nothing to do with the lender, you just gave a lot of money to strangers for nothing.
Even if you really have to pay a handling fee, that's fine. Verify the identity of the other party, verify the payment standard, and leave the transaction voucher. You should leave a recording. Otherwise, please don't throw money to strangers easily.
I've been to several parties and I've been cheated. They paid a high handling fee in cash, and there was no way to investigate the responsibility afterwards. Lenders will never be responsible for this. Others return the money to the third-party collection party and transfer the money to strangers in vain.
It is true that the poorer, the worse. If you are short of money and have weaknesses, you are more likely to be cheated.
It is shameful to borrow money, and it is not illegal to owe money. I hope that all debtors will treat it rationally and go ashore as soon as possible.