贷款不一定要担保费。如果贷款人要求借款人提供担保的,则借款人应提供担保,如果担保的形式是金钱担保的,则需要担保费;如果贷款人不要求提供担保的,或者不要求金钱担保的,则不需要担保费。法律依据:《个人贷款管理暂行办法》第十四条贷款调查包括但不限于以下内容:(一)借款人基本情况;(二)借款人收入情况;(三)借款用途;(四)借款人还款来源、还款能力及还款方式;(五)保证人担保意愿、担保能力或抵(质)押物价值及变现能力。第二十三条贷款人应与借款人签订书面借款合同,需担保的应同时签订担保合同。贷款人应要求借款人当面签订借款合同及其他相关文件,但电子银行渠道办理的贷款除外。
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