I applied for a loan through this site. The information online said that they would respond within a couple hours, 2 days later I was asked for more information. At this point I got a little nervous and tried to call. No one ever answers their phones during business hours or calls you when you ask. Also no one responded to any emails I sent. So I became extremely nervous and started looking for them online. I couldn't find anything about them anywhere but here. AND when I looked up their address I discovered that its a virtual address. In fact it took me to a site that told me all about how I could register and for a monthly fee and have an address to list, be included in a business directory and use their professional voicemail system. THIS IS A SHADOW COMPANY. I think that they were real at one time because I found them on a legitimate site that provides licensed loans in my state but obviously they aren't now. I received a denial letter today that was basically only a link to other associated loan places I could try. AND in the only other bad review on here (which happens to be the only one that wasn't filed in 2009) they responded by revealing personal reasons as to why the customer was denied. NO LEGITIMATE BUSINESS WOULD EVER DO THAT! Please save yourselves. I am going to have to keep a close eye on my credit report because I am very nervous that this was simply a case of fraud. I was able to get a loan through Lendup and it took all of 10 minutes. I was incredibly impressed with them.