Reputable personal loan lenders subtract fees from your approved loan amount. Any fees the lender charges should be clearly stated in your loan contract. All of your fees should be the same on the paperwork you sign as they were at final approval. Watch for extra fees like funding, closing or administrative fees that weren’t originally disclosed. If a lender pressures you to sign papers with more fees than you expect, you always have the right to cancel.Legit loan companies don’t charge upfront fees. Ever. ...

个人贷款行业概况 - 个人贷款是一种无抵押的便捷融资工具，可用于房屋装修或紧急汽车维修等场景，以多年期按月分期方式偿还 [1] - 截至2024年底，美国个人贷款未偿还余额达2530亿美元，较2022年增长42% [2] - 金融科技公司和在线贷款机构（如SoFi和LendingClub）的发展使在线申请贷款更为普遍 [5] 贷款欺诈风险上升 - 2024年消费者因欺诈损失125亿美元，较上年增长25% [2] - 贷款审批流程快速便捷的特性使其成为欺诈者的目标 [4] - 技术进步使得欺诈者能够利用AI等工具创建逼真的虚假网站、电子邮件和聊天机器人来模仿合法贷款机构 [8] 欺诈行为常见特征 - 要求预付费用并承诺担保批准，但实际并不提供贷款 [7] - 提供远低于市场平均水平的异常低利率，而两年期个人贷款平均利率为11.57% [11][12] - 缺乏可靠的联系方式，如邮寄地址、总部地点、电话号码和电子邮件地址 [13] - 网站未明确列出州注册或许可信息，这可能意味着未遵守州法律 [14][15] - 客户评价极差或完全没有评价，这可能表明是欺诈者为实施诈骗而设立的新公司 [16][17] - 要求通过加密货币、礼品卡或电汇等非常规支付方式支付费用 [18][19] - 使用高压销售策略，迫使借款人在未经过充分考虑的情况下快速做出决定 [20]