They encouraged me to sign up for a loan I didn't qualify for on the condition that I had a cosigner. The problem was not my credit, as it is pristine, but rather the length of time I have been with my employer. When I applied, I was rejected immediately as the information that I was given was false. At first, they blamed it on Cology, to whom they outsource their consolidation loans. After I refused to accept that excuse, the supervisor basically told me to get over it. TERRIBLE customer service. I would get a loan with someone who cares enough to properly train their employees.