I wouldn't trust loans companies that spam your email everyday. Check your local loan companies and their rates. Small companies are also pretty good. Do your research... see how much you can pay back in one month, fits into your buget, and interest rate. You don't want a loan with a high interest rate... hard to pay off... Know what you are getting into so it won't be any surprises.... for a list of scams... www.scambusters.org Also, when applying for a loan... you shouldn't have to pay money upfront for it... if you do... someone is scamming you... When you have a loan... you pay for a loan through monthly, weekly payments... You should never have to pay upfront for a loan... defeats the pupose of the loan....