Illustrative conversation · not a real customer
?Someone claiming to be staffScam message · 01
Pay an approval fee first. I can get your application approved.
You
Do I have to pay before I can borrow?
✕SCAM · Do not pay
01 / Advance fee
No advance fee. No paid approval.
No one can sell you loan approval. Apply in the official app.
✓ The safe response
Do not pay an approval, activation or verification fee. Apply only in the official app.
Why this is a scam
This is a scam. We do not require any upfront payment to approve a loan. Approval is determined by our automated risk assessment, including AI models. No agent can guarantee approval for money. If an application is declined, you can try again after 15 days; approval is not guaranteed.
Illustrative conversation · not a real customer
?Someone claiming to be staffScam message · 02
Our server is down. You cannot repay in the app. You must use the link I sent you.
You
Should I use a different link?
✕SCAM · Do not pay
02 / Private link
Stay in the official app.
You can repay through the official app. Claims that you must leave the app and use a privately sent link are a scam. If you have a problem, contact official support.
✓ The safe response
Repay through the official app. If you uninstalled it, use this website’s official download guide to reinstall. For website repayment, sign in to My loans and open your own bill on this official website. If you have a problem, contact official support.
Why this is a scam
You can repay through the official app. “The server is down; you cannot repay in the app and must use my link” is a scam. If you have a problem, contact official support.
Illustrative conversation · not a real customer
?Someone claiming to be staffScam message · 03
Combine the repayments for your several loans. I will replace them with a 180-day loan.
You
Will that guarantee my next loan?
✕SCAM · Do not pay
03 / False loan promise
“Combine repayments for a 180-day loan” is a scam.
The promise to combine repayments for several loans and replace them with a 180-day loan is false. Good repayment performance can increase your limit in the app; that is different from this false promise.
✓ The safe response
Use the repayment flow inside the official app. Review any future loan offer in the app; do not rely on private promises.
Why this is a scam
This promise is false: combining repayments for several loans will not convert them into a 180-day loan. Good repayment performance can lead to a higher limit in our app. Follow the repayment flow and check your actual limit and terms in the app.
