that modus operando looks like this...
"....scammers will claim to be from a legitimate and licensed money lender offering low interest rates to fool unsuspecting victims. And such scams are usually advertised to the victims via social media platforms, e-mail, SMS (short message service) or unsolicited calls.

"Once a victim decides to apply for the loan, they will be told that their credit score is not good enough to obtain the loan. The scammers will then ask the victim to transfer a certain amount to a given mule account, in order to adjust the credit scoring,"
https://www.theedgemarkets.com/article/publ...ancial-lifeline

Beware of scammers helping with loans, say bank groups
https://www.freemalaysiatoday.com/category/...ay-bank-groups/