When you apply for a loan, no one calls you back. They are terrible. I applied for a loan on 5/24/2016 and as of 10/4/2016 no credit decision has been determined. Not approved . Not denied . Nothiing. When you file complaints withe the CFPB, the OCC, the Federal reserve, the BBB, the Attorney General's office , they refuse to talk to you. They are awful. Please run from this company. On the BBB web site they have a caution note as this company was fined $25MM in 2014 for not following the law.