Well pretty much u have to have a perfect credit score because they will run it and tell if u can get a loan threw them. Because when first install app it says u got pre-approved for $170 and whenever u try and use it they will turn u down. And then when u use customer service they will give u a run around with reasons over why u got denied. Even though if u go to stores and read there signs it says in big letters no credit check but they will still run one on u. So beware of this scam app!!