Likely Harmful/Untrue - Loan offer message with upfront fee

Congratulations 🎉 You are pre-approved for an instant loan of SGD 50,000 with 0% interest and no documents required. Fast approval in 10 minutes ✅ No credit check ✅ Guaranteed approval ✅ To activate your loan, kindly pay a refundable processing fee of SGD 299 via PayNow immediately. Limited offer. If you delay, your approval will be cancelled. Reply “YES” now to secure your funds.

🚨 This is a scam. The message offers a fake loan with 0% interest and no credit check, but demands a refundable processing fee upfront. Legitimate lenders in Singapore do not require such fees before disbursing loans. This is a common tactic used in loan scams. Ignore the message, do not pay any fees, and report it to authorities or ScamShield.

• https://www.police.gov.sg/media-hub/news/2025/07/20250716_police_advisory_on_loan_scams
• https://scamshield.gov.sg/loan-scams/
• https://www.singsaver.com.sg/personal-loan/blog/personal-loan-scams