I have never liked taking loans from online apps. If you default, there will send the message to all your contents to tell you to go pay up. Cheating and corruption will one day be wiped off completely I believe. But for now, we just need to be careful and pray to have dealings with sincere people.
Yes, you are right that you should not take anything from the online app. And we should pray to fix all these things. Thanks a lot for reading