Loan scam guide
Fake loan offer
Fake loan offers use instant approval messages, fake NBFC names, forged sanction letters, and advance fee demands. After payment, new fees are invented or the contact disappears.
Risk signal
Advance fee
Severity
high
Group
Loan
Common identifiers
Add identifiers that can be matched safely across reports, profiles, payments, and evidence without exposing unnecessary private data.
Loan agent phone
Use the exact loan agent phone shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Website
Use the exact website shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
UPI ID
Use the exact upi id shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Bank account
Use the exact bank account shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Evidence to preserve
Keep proof in original form where possible. Screenshots help, but transaction IDs, URLs, timestamps, and chat context make moderation stronger.
Sanction letter
Capture sanction letter with date, time, sender, URL, or transaction context visible where possible.
Fee requests
Capture fee requests with date, time, sender, URL, or transaction context visible where possible.
Payment proof
Capture payment proof with date, time, sender, URL, or transaction context visible where possible.
Agent profile
Capture agent profile with date, time, sender, URL, or transaction context visible where possible.
First response
These steps reduce further loss and keep your report useful for review, banking escalation, platform reporting, and official complaints.
Verify lender registration
Do this early: verify lender registration helps reduce repeat contact, preserve proof, and keep escalation options open.
Do not pay advance fees
Do this early: do not pay advance fees helps reduce repeat contact, preserve proof, and keep escalation options open.
Report payment recipient
Do this early: report payment recipient helps reduce repeat contact, preserve proof, and keep escalation options open.
Urgent money loss
If money was recently transferred, call 1930 first and raise a bank or payment-app dispute. Speed matters for fund-freeze attempts.
Privacy boundary
Do not upload OTPs, passwords, full card numbers, full Aadhaar, private documents, or unrelated intimate media. Use masked, relevant evidence whenever possible.
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