As much as possible, if you need to take a loan, better go to legit routes like banks. Because most online lending apps are scammers. As most of them don't have necessary legit business docs, they can anonymously operate and screw people.
The loan app is also a legit route because they are just private loaner who fund digital as the good way to their loaning business, actually they are not operating anonymously because I see them as an open source business, so I cannot call them scammers because there services doesn't ask for their customers to pay first but instead they are actually the ones who release money to people with the agreement of paying back the money with the interest, so if there are people whom we should be concerned of is the loaning app because people can scam them if they want to.