Fraudsters on Facebook are still trying to rip off users with dubious loan offers!
The scam primarily targets people who are already in a difficult financial situation.
Very often there are dubious loan offers that are posted as status posts in groups or on pages. But it can also happen that you receive such a lure text via messenger:

Hello
Are you looking for a legitimate loan? Tired of searching for loans and mortgages? Have you been rejected multiple times by your banks? You need a loan to clear your debts/bills, start a project, or start your own business, worry more. I am a person who offers his services by offering a loan between 5,000 euros and 750,000.00 euros with a low interest rate of 2% and that is for a period of 1 30 years. If you are interested then contact me directly on my email for more information: …
This is a so-called advance fee fraud!
Such offers have been visible on Facebook for years. Most of the time, photos from the Internet are stolen for these fake profiles and used for the fake profile.
How does the fraud work?
If a user responds, they will be asked for personal data and a copy of their passport relatively quickly. The creators of the “loan offers” are not interested in arranging cheap loans, but rather they are shamelessly exploiting someone’s plight.
There are additional costs (such as “credit reporting costs”) and if you are not careful, you will suddenly be tied to contracts that no longer have anything to do with a loan. Apparently you have to pay 60 EUR in advance!
In another case it was a loan amount of EUR 1,900.
However, the user should first transfer 180 EUR in advance. This 180 EUR would have been intended as a processing fee.
The problem is that many people are in such distress or desperation that they cannot even recognize the fraud and pay the 180 EUR.
If you need a loan, you should ALWAYS visit your bank! If they refuse to approve a loan, then you will normally not be able to get a loan anywhere else and especially not on Facebook!
Tips to protect yourself from loan scammers on Facebook
- When it comes to dubious loan offers on Facebook, you can almost be sure that fraudsters are behind them.
- You can report suspicious profiles and offers directly to Mimikama. To do so, please send us an email to spoof@mimikama.org.
- Never give personal information to strangers ONLINE. It may sound logical, but there are thousands of users who don't think about it.
How to spot loan fraudsters on Facebook
- The respective profile often speaks bumpy German.
- There is a noticeably low interest rate promise.
- Collateral/hedges are not required.
- Dubious email address.
Related article: This is how loan fraudsters work on Facebook.
In financial hardship, there are institutions that offer help, such as Caritas , Diakonie , but the social services of the city in which you live can also offer help. All of this on a much more solid basis than dubious credit providers.
Preview image: Dobo Kristian / Shutterstock
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