I wanted to borrow with low interest to pay off credit cards, and have a bit to spare. I filled out the application online, and they called me and emailed me. I returned the call today, spoke with a gentleman by the name of Daniel Stevens. He tried to get my banking information, I said no I need the loan agreement first. They sent it to me via docu-sign. I signed the agreement. Then found out I had to pay for insurance $980 before they would give me the loan. I said no. He put me on hold. I hung up. and blocked his number. They have my social insurance number.