loans

How to avoid falling into fraudulent loans?

Find out here how to avoid falling into fraudulent loans and what are the most common types of scams in Brazil. Also, check out important information on the subject.

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Learn how to avoid one of the biggest scams in Brazil

Mas, afinal, como evitar cair em empréstimos fraudulentos? Fonte: Pexels.
But, after all, how to avoid falling into fraudulent loans? Source: Pexels.

In Brazil, the number of people who are victims of scams is very large. So, do you know how to avoid falling into fraudulent loans?

In this article, we'll show you how to avoid loan scams, in addition to knowing the most common types of fraudulent loans and other useful information on the subject to help you not fall into this trap! Check it all out!

How to avoid loan scams?

To avoid loan scams, you should take it easy and consult information about the company even before applying for the loan.

And, in addition, you should look for companies that have a good reputation in the market that follow the rules of the Central Bank to grant credit, in addition to avoiding making deposits or transfers before receiving any amount.

Also, do not pass on your personal data and documents to strangers and do not agree to pay the installments in the accounts of natural persons.

In addition, you can also check the company's address and whether it operates in the specified location.

And, in addition, try to do a company satisfaction survey, so look for reviews on the internet and also on the website Reclame Aqui and Procon, as well as be wary of companies that do not have reviews on the internet.

Now, follow all these recommendations to avoid loan scams.

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What are the most common fraudulent loans?

Mas, afinal, quais são os tipos mais comuns de empréstimos fraudulentos? Fonte: Pexels.
But, after all, what are the most common types of fraudulent loans? Source: Pexels.

Among the most common are the advance deposit in which the fraudulent company charges you a certain amount in advance.

That's because, no financial institution charges any type of fee or advance installments to release credit.

So, if you receive a loan offer that asks for an advance deposit, know that it is a fraud.

There will also be cases where the institution itself is being scammed, because criminals use fake websites and profiles on social networks and impersonate the institutions themselves.

There is also the fake loan to steal data, so criminals apply for credit in your name and can commit other crimes by impersonating you.

To protect yourself, we recommend that you do not share your personal data and documents with strangers in any way, not even by calling, SMS, WhatsApp or email. In that case, look at the number and address to find out if it's a reputable person talking to you.

As such, these are the most common fraudulent loans out there!

What should I do when they take out a loan in my name?

O que fazer em caso de empréstimos fraudulentos? Fonte: Pexels.
What to do in case of fraudulent loans? Source: Pexels.

In this case, you should immediately file a police report with details about everything that happened.

For this, you must gather all the evidence such as proof of deposit, screenshots of the website that offered the loan and also conversations with the criminals.

After that, you must contact your bank and register the case with consumer protection bodies, such as the Procon in your region.

Now you know everything about fraudulent loans. Take the opportunity to access the recommended content below to read other content on the subject!

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About the author  /  Joyce Viana

Graduated in Law from PUC Minas. Post Graduated in Criminal Law and Criminal Procedure by Faculdade Legale. She produces content for different niches, from recipes and finance to beauty and health. Since he was a child, he made writing his best friend, and he never stopped!

Reviewed by  /  Junior Aguiar

Senior Editor

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