I was really skeptical and fine combed thru the details and eventually decided to give it a shot. I’m glad I did because I got a really great interest rate to consolidate my credit card debt. Also, my credit score is "good" in the low 700. I got a call from a credit analyst a few hours after applying online and was shortly approved thereafter. The credit analyst was extremely transparent throughout the whole process. Also, one thing to note is that the origination fee is taken out of the original loan amount, so you’ll get the total approved amount minus the loan origination fee.