I was pre-approved and I had all my information and docs needed. I had a bankrupcy less than 1 1/2 years old. They approved me for $4500 but charge a $200 admin fee, but you pick if you want to pay 3 to 5 years. They ask you why you want the loan, I said for car repairs. It's best to let them automatically take your payment out of your bank account and they notify you each time a few days before they take it out by email. So far no problems.