It is illegal for an online loan platform to refuse to provide a loan contract, if such a phenomenon really exists. Then you can not repay the money for the time being, because if you don't provide a contract, then you don't know how much the relevant interest will be, and there is a high possibility of loan sharking in the future. If you find that an online loan platform refuses to provide a loan contract before borrowing money, then you should not borrow money from this online loan platform because it is an irregular online loan platform. Regarding the method of not providing a loan contract

There are many online platforms on the Internet now, and this is because everyone’s demand for money is getting higher and higher, and applying for a loan from a bank is also very troublesome. Therefore, many people are anxious and will choose to borrow money online. However, there are also many scams on online lending platforms. For example, the online lending platform mentioned this time refuses to provide labor contracts. This is illegal, and formal online loan platforms will provide borrowers with an electronic contract. This electronic contract requires everyone to take a screenshot. Generally speaking, online loan platforms like this are very afraid of people reporting to the market regulatory authorities. Irregular platforms will not produce contracts

If you encounter such a situation, you should seek help from relevant departments. Only in this way can you protect your legitimate rights and interests. If the online loan platform does not produce a contract, it will definitely deceive the borrower later. When you feel something is wrong, you should call the police, and before borrowing, you should also ask in advance whether the loan provides a loan contract. Protect your own legitimate interests

Contracts have legal effects, and contracts not only protect the interests of the other party, but also protect your own interests. Therefore, I hope that no matter what you do, you need to sign a contract. You need to sign a labor contract at work, and you also need to sign a loan contract if you borrow money. Only if everyone can understand the contents of these contracts can they protect their own interests and consider them.