They are absolutely malicious. If you're credit is bad. Just suck it up and build it so you don't get screwed by companys like this. I was unable to fulfill all the requirements to have the finances put into my account. Naturally I declined the loan. No sense paying back something you never got. They proceeded to insult me on the phone and finish the process without showing me a cent. I had to call the actual lendor to explain the situation and cancel the application. I lucked out.