Fake loans | Unpacking | "Gold Kredit", "Credit Online"

In Telegram, scammers offer loans on unrealistically favorable terms: 2% annual interest, a six-month payment deferral, no income verification and no credit history checks.

To appear trustworthy, they use fake testimonials and fabricated reviews.

The outcome is always the same — after paying the so-called "insurance fee", the victim loses money and never receives a loan.