My friend used them. So you apply when they say if your credit isn't great they will give you options. It even says will you take a lower amount. Then it runs your credit just to say you need a cosigner with a credit score of over 700. I mean duh if they could get a cosigner with over 700 score, they wouldn't need to go online to look for a lender that approves people with challenged credit. Now he has an inquiry on his credit for nothing. I would say don't bother. I thought it would help since it is a payday loan and asks all of your bank info so they can obviously see how much he makes. Just go to netcredit or upstart or something. He did netcredit and they at least gave options. There are Companies just scam you nowadays and no one is safe. No one knows if things are real or not. I heard there is even a site pretending to be the USPS and has all of their logos on it and everything. read more