Guess if I had researched this more, I wouldn't be writing this, but... Applied for a loan online and was contacted by this company saying I was approved. They emailed me a Loan Agreement and wanted 3 months of payments ($732) up-front as "collateral" which would be applied towards the loan (no payments for 3 months). Although sceptical, I was also desperate and wired the money. Then was told they were using a "private lender" and the lender wanted loan insurance and the premium was $500. I have this on my car loan, so didn't think twice about it and again wired the money. This was over a month ago and still no loan funds received. Contacted them and demanded my money back but I don't see it happening.