There are many forms of electronic signature, which are not necessarily signatures. For example:

① Enter the name in the email containing the contract/agreement terms;

(Handwritten signatures added in electronic documents such as PDF files;

(3) Check the box indicating "I accept" the terms of the agreement (or other similar wording) (generally more common in standard contracts);

(4) Sign on the "signature screen" with a pen or hand, and generate a signature similar to the signer's handwritten signature on the electronic document displayed on the screen;

⑤ Signature generated by the electronic signature platform, that is, an electronic signature is generated by ticking the electronic document or entering the name (this electronic signature is not necessarily similar to the signer's handwritten signature).

According to China's Electronic Signature Law, a reliable electronic signature has the same legal effect as a handwritten signature or seal. An electronic signature shall be regarded as reliable if it meets the following conditions:

(1) When the electronic signature production data is used for electronic signature, it belongs to the exclusive rights of the electronic signer;

(2) When signing, the electronic signature production data is only controlled by the electronic signer;

(3) Any changes to the electronic signature after signature can be found;

(4) Any changes to the content and form of the data message after signature can be found.

The electronic signature described in your question is unreliable.

In addition, you need to be careful with the loan, which is likely to be a pit.