1. Go to the company for a field trip to see if there is a fixed business place and the size of the company. Now there are all kinds of fraudulent means, such as: QQ handles the loan business, collects money first and then handles it, and can apply directly by telephone.

The best solution is to go to the company's stores to see if the company has a fixed office space and fixed staff, because scammers or informal loan companies only have a simple contact information or loan website.

We just need to go to the scene to see how the family is doing.

2. Those formal lending institutions that claim to be able to handle loan business nationwide stay away from them. In order to control credit risk, they usually only handle local business, but many loan users don't know it. So those informal organizations will boast that they can handle national business, which is probably a means for them to cheat in different places, so you should pay more attention to this matter.

3. Formal institutions will never package materials for lenders. Both banks and lending institutions that cooperate with banks have strict regulations on credit managers or other relevant personnel, especially they are not allowed to package qualifications for customers and ask for bribes.

If the loan officers of some lending institutions ask you for packaging fees on the grounds that they are not qualified enough, it is basically certain that there is something fishy going on.