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How to recognise a loan scam

Pressure, upfront fees and strangers offering money are the clearest warning signs.

4 min readSafety noticeUpdated 2026-06-15

The short answer

Be suspicious of anyone you do not know who offers you a loan, asks for an upfront fee, or pressures you to act quickly.

The short answer

Be suspicious of anyone you do not know who offers you a loan, asks for an upfront fee, or pressures you to act quickly.

Clear warning signs

An upfront fee before money is released. Pressure to decide immediately. A stranger who contacted you first. A request to move the conversation to another app.
  • Genuine private agreements start with someone you already know.
  • No legitimate arrangement requires you to pay to receive money.
  • A record in an app does not prove that a stranger is trustworthy.

Report it

If you think someone is attempting a scam, contact support immediately at support@kinpay.me.

Key takeaway

A genuine private agreement never starts with a stranger asking for a fee.

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Should I send money to someone I do not know?

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Need more help?

  1. 1. Search KinPay Learn

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  2. 2. Use Help inside KinPay

    For anything about your own account, open KinPay and use Help in the top-right corner. Where available it attaches the screen you were on.

  3. 3. Submit a support request

    Tell us what you expected and what happened. Open the form.

  4. 4. Email support

    Write to support@kinpay.me.