I applied online for the loan and was told I would receive a call prominently. And I did. I gave a young man all of my personal information and was very explanatory toward all the questions I was asked. Then was told I would receive a call after 35 minutes. Well it is now well past a business day and still have received no call or email and they ran a hard inquiry on my credit. If I'm giving you my personal information, and you're running a hard inquiry on my credit I expect a phone call in the least, whether approved or denied. Without diligence the company seems like a scam. I do hope they touch base with me as they have all my information. But waiting around for money you wanted to receive isn't fair.