I was broke and needed to pay bills, cover NSF checks, buy gas, buy groceries and turned to getting a pay day loan. I swear the only thing I noticed on the opening page was to enter email address and state. I was shocked when there was $31.98 taken out of my checking account. Not only did they take that, I never qualified for a loan. So instead of helping me, it cost me! Then they said to fill out a report and they will refund my money. No deal - that was a scam, too.By filling out the loan application, I agreed to it. I would not have done that had I realized because I needed money. I did not want to be charged money!