bipeDownload

The fake loan scam: "approved, you just need to pay the fee"

A loan approved on the spot, or a payroll loan swap with a lower instalment. To release it, they ask for a fee up front. A real loan never charges anything first.

Also called: advance fee loan, fake loan offer.

How it works

  1. The scammer advertises easy credit or calls to offer a payroll loan transfer.
  2. They send a contract that looks like a bank's and say the credit was approved.
  3. They ask for a fee, insurance, tax or the first instalment before release, and the money never comes.

Where it usually starts: ad, messaging app, phone call.

How it arrives on Bipe. Simulation with sample people and messages.

The real message

The real company never asks for a code, a password or a Pix to a personal key. On Bipe, it will show the seal and its CNPJ (coming soon).

The real message. Simulation with sample people and messages.

How to spot it

  • Approved without any check.
  • They ask for money before you receive anything.
  • The payment goes to a person, not a bank.

What to do

  • Do not pay anything to receive a loan.
  • Simulate and sign only in your bank app or with an institution the Central Bank authorises.
  • Already paid? Talk to your bank, ask for MED and file a police report.

How Bipe helps

Each item shows where it stands on iPhone and Android.

Scam warnings

A warning shows under a message that looks like a scam, such as a rushed Pix, a new number or a boleto. It is on by default, with nothing to set up.

iPhone: In the test app · Android: In development

Business seal

A company, school or association proves its CNPJ and gets a seal with the name on the federal register.

iPhone: Coming soon · Android: Coming soon

Reserved names

Bank, government and Bipe names are kept for the institution's verified account.

iPhone: Coming soon · Android: Coming soon

What Bipe does not solve here

The warning shows when the chat asks for a fee to release money. Beyond that, Bipe cannot check the offer.

Bipe only protects the chats that happen in Bipe. If someone in the family still uses another app, a scammer can write to them there.

Who describes this scam

Official pages with the scam's script and what to do.

Other common scams

Scams in Brazil in numbers

Where these numbers come from

Researched on 13 October 2026. We only use numbers that have a source. Surveys by a company or a private association are marked as such.