I too received a preapproved letter in the amount of $4000. I had the entire 4k in my account the next day. The kicker is, I had $650.00 left owed on my chapter 13 bankruptcy. I paid it off, and received my discharge within 6 weeks. I call the every month to make a one time payment. Would be nice if I could pay on line, but I love this company!!! They put "CUSTOMER" back into CUSTOMER SERVICE!!!!