Garbage company and deceptive ads! They claim the process to be extremely easy especially with people with excellent credit (over 840 credit score). I applied for a loan to do some home improvements thinking it would be easy and painless. Nothing of the sort! They are a complete joke. I withdrew my application and decided to just go with my local bank which was easy and seem less with a person of my credit worthiness. If you have excellent credit do yourself a favor and avoid these people at all costs. Scam company at best