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Loan fee fraud occurs when people pay an upfront fee for a loan they never receive. The good news is that you can protect yourself with this quick three-step check:

• If you’re asked to pay an upfront fee, it could be a scam.
• If you’re asked to pay quickly, it could be a scam.
• If you’re asked to pay in an unusual way, such as vouchers or money transfer, it could be a scam.

Always check that the provider is authorised by the FCA before you borrow. Visit the FCA’s Financial Services Register.