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问题	贷款先开通会员才能借款可靠吗 -法律知识
释义	法律分析：不可靠。正规的贷款平台通常不会以任何理由收取贷前费用，遇到一定要警惕。法律依据：《最高人民法院关于人民法院审理借贷案件的若干意见》第十条一方以欺诈、胁迫等手段或者乘人之危，使对方在违背真实意思的情况下所形成的借贷关系，应认定为无效。第十一条出借人明知借款人是为了进行非法活动而借款的，其借贷关系不予保护。
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