Waste of time. I applied for a loan to pay off my credit cards and then pay it back with my tax refund that will be arriving next week. I tried to wait till refund arrived but my report took a 60 point dive and I needed help fixing my credit asap. Instead, they based their decision off of my utilization and skipped my 100% never even been late on a payment ever, never looked at proof of refund, 0 negative marks or checking into my 2nd and 3rd bank accounts. Must need good credit 2 fix ur credit