My son used this service to take out a payday loan. I do not know this for a fact, but on their website they make it clear they do not loan money, they only find a lender for you. It appears that what they do is gather your personal information, enter that on the website of a payday lender, get you the loan and then charge you for it. You could do all of this yourself. They say they charge for this service. So far we've had two withdrawels from his bank account of $30 each, two different payees but the same phone number. There should have only been one charge though frankly I question the legality of what they did in the first place - I believe it is a misrepresentation at least. There is no contact link on their web page, if you call their number you are told they are too busy to answer their phone and are transferred to leave a voice mail where you get a busy signal. They don't respond to emails. The number of scam complaints on this site and others is off the charts. I'm going to check with filing a complaint with the attorney generals office if we can't get the drafts to stop.