Core Viewpoint - The article highlights the emergence of "rent machine cashing" schemes disguised as legitimate rental services, which are essentially illegal high-interest loans that severely harm consumer rights and disrupt financial market order [1][9]. Group 1: Case Studies - Case 1: A citizen named Ms. Li rented a phone and ended up with a debt of 13,000 yuan after only receiving 5,000 yuan in cash. This occurred after she signed a "installment rental agreement" for a phone priced at 9,999 yuan, with a rental fee of approximately 13,000 yuan [2][9]. - Case 2: Another citizen, Ms. Jiang, borrowed over 140,000 yuan through similar schemes but faced a repayment obligation of 420,000 yuan three months later, realizing too late that it was a high-interest loan [2][10]. Group 2: Common Tactics of "Rent Machine Cashing" - High-interest packaging: The schemes disguise high-interest rates and fees as "premium rental fees," "screen damage insurance," and "service fees" to evade regulatory limits on borrowing rates [3][10]. - Hidden costs: Contracts often include high buyout fees and penalties for early termination, leading to significant losses for consumers [4][11]. - Information misuse: Personal information is collected under the guise of "credit assessment," posing risks of data leakage and malicious use [5][11]. - Aggressive debt collection: Platforms resort to illegal methods such as harassment calls and home visits to collect debts, severely impacting the lives of consumers and their families [6][11]. Group 3: Risk Warnings and Prevention Tips - Consumers are advised to be cautious of marketing phrases like "0 down payment," "low monthly rent," and "instant approval," and to develop a rational consumption mindset to avoid excessive debt [7][12]. - It is crucial to read and understand all contract terms thoroughly before signing, including annual interest rates and total costs, to avoid falling into traps set by deceptive clauses [8][12]. - Before obtaining loans, consumers should verify that the lending institution has the necessary licenses and qualifications to operate legally [8][12]. - Caution is advised when using online platforms for loans, including careful reading of terms and avoiding default selections that may lead to unintended loan agreements [8][12].

深圳市防范和打击非法金融活动专责小组办公室发布关于警惕以"租机套现"等名义诱骗贷款的风险提示 称，近期，市场上出现以"信用租赁""0元购机""租完即送"为噱头的"租机套现"业务，此类业务本质上 是一种被包装成租赁的非法高息贷款，严重侵害消费者合法权益，扰乱金融市场秩序。请广大市民提高 警惕，擦亮双眼，远离"租机套现"等非法高息贷款活动，共同维护良好的金融秩序。 （文章来源：第一财经） ...