Like others, I kept getting pre-approved letters in the mail. I was pre-approved for $4,054 or in that range. I applied for $1500. Well, never got a call. I call and finally talk to Shay at the Hermitage, TN office. She wasn't very friendly. Well, I called her again and told there was nothing they could do. We don't have good credit but income is sufficient. Remove me from your pre-approved offer mailings!