Begin at the lender's official website or app and verify the company details before sharing personal or financial information. Be cautious of sponsored messages, lookalike domains, and unsolicited calls promising guaranteed approval.
Never disclose OTPs, PINs, passwords, or full card security details to someone claiming to be a loan agent. Do not install remote-access apps at a stranger's request.
Read the key loan terms, including the lender's identity, interest rate, fees, repayment schedule, grievance contact, and privacy information. Keep a copy of the application and agreement.
If you suspect fraud, contact your bank and the relevant official cybercrime reporting channel promptly. Do not pay an unexplained advance fee to secure a supposedly guaranteed loan.