Shanghai Luwan Tianyi micro-credit loans co., Ltd.

First of all, regular loan companies will not charge you any fees before lending money.

If you are not sure whether this lending institution is formal, then I suggest that you can use the Rong 360 loan search platform-Shanghai to find the loan products of formal lending institutions and choose the products you are satisfied with to apply.

By the way, I will teach you a few tricks to distinguish between true and false credit companies in case you are cheated.

1. Will you charge fees before the loan? If you ask for various fees before you get the loan, it is basically a lie.

2. Accounting compound interest, that is, interest will naturally occur in the next few months, commonly known as "rolling interest". If it is, there must be something wrong.

3. Interest is higher than the national regulations. According to the regulations of central bank lenders, the interest of private lending cannot be higher than four times the loan interest rate stipulated by the state. The excess part is not protected by law. The monthly interest rate of 3% should be high, which is not very reliable.

4. Whether there is a fixed and long-term office location and contact information, regular companies will not change places immediately, and even if they change, they will inform customers through various channels. It is suggested that we can visit the company on the spot.