I have just recently applied for a payday loan through Last Chance Cash advance. It was only a pre- approval app. but yet they gave my checking information to clubs without my authorization. I had two withdrawls today from them giving out my account information. This problem is still unsolved and had to report it as fraud in order for something to be done about this. Words of advice do not apply through Last Chance cash advance. The way I look at it is if I am applying for a loan I don't have the money to be joining their teaparty clubs!!! read full review »