The scam is that they promise you a loan but you have to send in insurance for the loan. This loan was guaranteed, and was to sent out in 24 hours. I sent them 1500.00 for a 15,000. The Once they received the 1500.00 they never sent the money and have been giving me the run around why I did not get the loan. They use different lies. Since then many people have sent in complaints on this comaony with the same problem I had. They promise to send the 1500 back, but I never received it.