Core Viewpoint - The rise of fraudulent loan schemes disguised as "machine rental cashing" is alarming, with significant financial burdens placed on victims, highlighting the need for increased awareness and preventive measures [1][2]. Group 1: Case Studies - A case involving a woman named Jiang illustrates the dangers of these schemes, where she was lured into renting multiple phones, resulting in a cashing out of over 140,000 yuan but facing a repayment of 420,000 yuan within three months [2]. - In 2024, Shanghai police uncovered the first illegal lending case under the guise of "mobile rental," arresting 15 suspects and involving over 20 million yuan [3]. Group 2: Common Tactics - The "machine rental cashing" schemes employ four main tactics: 1. High-interest rates disguised as "premium rent" or "service fees" to evade regulatory limits [4]. 2. Hidden costs in contracts, including exorbitant buyout fees and penalties for early termination [4]. 3. Misuse of personal information under the pretext of "credit assessment," leading to potential data breaches [4]. 4. Aggressive debt collection methods, including harassment of borrowers and their contacts [4]. Group 3: Consumer Warnings - Consumers are advised to be cautious of marketing phrases like "0 down payment," "low monthly rent," and "instant approval," and to thoroughly read contracts before signing [5]. - It is crucial for consumers to verify the lending qualifications of institutions before engaging in any loan agreements [5].