I was called by a restricted number when I answered the woman Lisa said congratulations we got ur loan approval from Howard and klien financial group that they are a independent company that approves bad credit loans. And because of my credit I had 3 options to pay the first 2payments up front 450$ or get a co signer or pay the insurance to cover the payment’s at 1,500 . Lisa then sent a PDF file of the contract and said I need to sign and return it . I called back and a automatic system tells me to enter the extension I need I did that and then the system played me some music and told me she was unavailable. I haven’t heard from her since.