Mr Mike Candia was very helpfu, and answered all of my questions professionally, with well spoken english and clearlity. I would certainly recomend friends to give him a call when they need a loan. 

This was the BEST loan experince I ever had.  It was simple and quick and paperless.

I would recommedn and use this service again.

They have reasonable rates, and you can extend your payday loan due date if you need to! Great company!

These guys tells that they base the advances on the processing volume. I have 20,000 per month. I applied, and i got denied, saying my SSN is invalid. I called them,they say its valid, but there is no credit history, and there is no advance.I asked to remove my application - they didnt want to.

Be careful, it seems to be some sort of personal information collection scam.

I have a credit score of 815. I applied for $20k and told them I make $30K, (but I don't, I really only make $23,691) So they approved me over the phone at 15.99% - I was shocked at that rate considering my credit score. They said they would get back to me in 24-28 hours to finalize the loan and that I had to send in my most recent paystub. So I scanned and emailed it over and I didn't hear from them for 3 days and I called up to ask what was going on and they said they were denying me because they could not verify the income I make is the income I stated. So that's fine, I understand the fine print reads you must make $25K to be considered, but I was hoping with my stellar credit score and 17 year history with their credit card they would overlook it but they didn't. So... screw them.

I submitted a pre-approval from this, Credit Karma's, website.  Response was that there were no products for me. Then, when I checked my email there was one from Prosper that said a lot of things that aren't true about my credit, but mainly that I could get a free copy of my credit report if I ask Experian within 60 days. 

I thought only hard inquiries gave a credit report.  If this was a soft inquiry, as it states on the pop-up that offers it, why would I get a credit report?  I'll be really mad if this is actually a hard inquiry.  I've never been turned down for credit that I applied for.  Will I have this mark against me now?  If so, what is Credit Karma doing, saying it won't affect your credit?

The irony here is Prosper loans are funded and underwritten by WebBank according to the info in this email.  I have two accounts from WebBank and both credit limits were raised in the last couple of months without me asking.

Has anyone else sent in this so-called "pre-approval" and got a hard inquiry because of it?

Applied for a loan with a good credit score.

Got $5000 within a week or so.

Monthly paymetns are low and thats really good as well