An individual named "Christopher Johnson" (thick Indian accent) from Advance America contacted me via text message to inform me that I had been approved for an online payday loan. He needed me to "hurry fast" to the nearest Walmart to put a down payment of $135.00 on a money gram to send to a woman named Vickie Roy, located in Riverside, CA, and that the secret code word was "blue". This was to "confirm" I could make my monthly payments to the loan I applied for. I thought this request seemed odd, so I didn't do this; instead, I called them back the following day to ask whom to send the $135.00 to again. This time, a "Jason Cooper" (also with a thick Indian accent) answered the phone, telling me to send the money to a "Robbie Roy", located in Toms River, NJ. I knew then that this was a scam, and did my research online, thankfully. However, after seeing numerous reports of the same types of situations I just encountered, I felt this had to be reported. Americans do not need to be victimized by online loan scams or any type of scam involving money, etc. Especially considering these individuals are most likely from the Middle East, posing as American loan officers. Let's stop them now!