“I have no money and need a loan.”
“I can give you a loan. How much do you need?”
“How about a thousand dollars.”
“Sure. Now, before you can get this loan you need to give us 87 dollars in fees. What do you mean you don’t have the money for the fees? Can’t you get a loan for it or something?”
Loan scams always ask for up front fees. That’s not how a real loan works. They loan you the cash and then you pay any fees as part of the paying back process. If you’re asked for fees up front then it’s an advance fee scam.