I'm noticing a pattern Much like other reviewers have indicated, this is a bait-and-switch operation. They ARE NOT a lending institution, their only intention is to push their own "consolidation" product. I had to find out the hard way, don't be like me. After taking all your personal information and soliciting "up to 60 lending partners" they claim not a single outfit was interested in offering a loan. They then proceed to quote your credit score at almost 100+ points below what you are. Either they don't have the actual score, or they rely on those trash estimation algorithms that are always wrong. It's a scare tactic for the ignorant and less informed to lure you into a mistake. They are shady liars and have no intentions of connecting you with anything close to the offer letter you receive in the mail. Run, run very far away.

This is not a loan company they’re a… This is not a loan company they’re a debt consolidation company, that will act as if they have contacted over 60 loan companys and none will qualify you, then they will try to sell you on there product then get an attitude when you don’t by into it, trust me beware its a scam, they will send you a letter saying your pre approved for a certain amount then say give them 24 hours to get back with you scam scam scam. The good reviews on here are most likey reviews of their own they have companys that you pay to give you good reviews just read them you will see.

I appreciate how they made sure to not… I appreciate how they made sure to not include any hidden fees, it just goes to show that they are there to help and not take advantage of their clients in need.

They are NOT a loan company They are NOT a loan company. After telling us we don’t qualify for a loan, even with GREAT credit (no missed payments EVER), they tried to sell us on a debt “program” because we have a lot of credit card debt.

Beware of False Advertising & Debt Settlement Scam This “bank” falsely advertises pre-approved, 3-5% APR consolidation loans with no fees, closing costs, or prepayment penalties. These loans do not exist. These offers are intended to lure you into a “free consultation” where the company pushes a debt settlement package on you. Debt settlement is where you stop paying your bills to scare your creditors into thinking you won’t be able to pay in the hopes that they settle for less than you owe. It trashes your credit and might not work. Your creditors can still take your assets or garnish your wages and might end up in bankruptcy. And even if it does work, you have to pay taxes on the difference between what you paid and what you owed (including all the late fees and ballooning interest that accrues while you don’t pay). Basically, it’s a scam so don’t waste your time unless you are really in over your head with no way out except Debt Settlement or Bankruptcy.