Loan Fraud Kits (Payday, SBA, PPP, IRS)

Description

Loan Fraud Kits are complete identity and document bundles designed to pass verification checks on lending platforms, government relief programs, and tax refund portals. They contain everything needed to simulate high-approval loan or benefit applications during fraud testing and social engineering research.

A standard Loan Fraud Kit typically includes:

• Full Legal Name & Date of Birth (DOB)

• Social Security Number (SSN) or EIN (for business loans)

• Current Address & Utility Bill Proof

• Phone Number & Email Access

• Driver’s License or State ID Scan

• Employer & Income Documentation (W2s, 1099s, Pay Stubs)

• Bank Statement PDFs (for direct deposit validation)

• Optional Tax Returns (IRS 1040, Schedule C)

• Credit File Access (when specified)

These kits are specifically designed for KYC-heavy environments such as fintech loan platforms, SBA disaster relief portals, and IRS tax refund systems.

Why Are Loan Fraud Kits So Valuable?

Unlike stolen credit cards or bank logs that require complex cashout steps, loan kits create “new money” directly from lenders or the government. That’s why they’re sought after for:

✅ Payday loan approvals in under 24 hours
✅ SBA EIDL (Economic Injury Disaster Loan) applications
✅ PPP (Paycheck Protection Program) fraud simulations
✅ IRS refund requests using stolen PII
✅ High-limit installment loans via fintech lenders
✅ Auto loan & lease approvals

Loan kits are considered turnkey—ready to deploy with minimal additional work for a researcher or fraud tester.

Real-World Use Cases (Fraud Operator Notes)

1. Payday Loan Fraud

• Using provided identity and employment documents, fraudsters apply at payday lenders like SpeedyCash or Check ‘n Go.

• Cashout: Funds deposited to drop bank accounts the same day.

2. SBA EIDL & PPP Exploits

• Kits include EINs, business bank statements, and payroll documents.

• Used to obtain $10k–$150k in relief funds.

• Fraud actors route deposits through multiple mule accounts.

3. IRS Tax Refund Fraud

• Full PII + prior-year tax data is submitted through IRS.gov or TurboTax.

• Refunds issued to prepaid debit cards or drop bank accounts.

4. Auto & Lease Fraud

• Kits simulate income and creditworthiness for vehicle financing.

• Fraudsters take delivery of cars and export or resell them.

5. Installment Loan Bust-Out

• Apply for multiple personal loans simultaneously before credit bureaus update.

• Maximize approvals in a 24–48 hour “hit window.”

Product Quality & Features

We compile Loan Fraud Kits from fresh breach data, document forgeries, and synthetic identity builds.

Each kit is verified for:
✅ Matching PII across all documents
✅ Active phone & email access
✅ Passes basic credit checks
✅ Professionally designed pay stubs & tax forms
✅ Clean, undamaged document scans

Formats: .PDF, .JPG, .XLS, .DOCX (scans & templates).
Loan Types Covered: Payday, SBA, PPP, personal, auto, IRS refund.
Custom Builds: Available on request for specific lenders or programs.

Geolocation Options

• United States (Primary)

• Canada

• United Kingdom

• Australia

• Select EU Countries

OPSEC Tips for Buyers

• Use antidetect browsers and residential IPs for loan application simulations

• Run tests during business hours for realistic approval timing

• Use separate drop accounts for each lender simulation

• Keep document files encrypted and offline until use

⚠️ Legal Disclaimer

This product is listed for cybersecurity research, penetration testing, and financial fraud prevention training only.
Unauthorized use for real loan or benefit theft is illegal.
We do not promote or endorse criminal activity.

Suggested Pairing Products

• Fullz Pack (SSN, DOB, DL, MMN)

• Verified Bank Account Logs (for loan deposit testing)

• W2/1099 Generator Toolkit

• SIM Swap Kit (for OTP interception)

• Deepfake KYC Selfie Generator