The company makes no promise to guarantee a loan yet they advertise for bad credit loans the banks and lending institutions they recommend do not loan to anyone with bad credit credit so why do they make the suggestion that they and the companies they list do? It only opens the door to more scam operators to get you personal info. So in a nut shell the lenders they support or try to broker loans to do not lend to anyone with credit scores less then perfect or 720 or less so if you fall below those guidelines you might as well wish in one hand and s**t in the other and see which one fills up faster because that is about your odds of getting a loan from those lenders unless you sell your soul to the devil and let them take your home or your paid off vehicle or anything you may own of any value and they will loan you about 30% of its value . So they A** rape you one end or the other just so they can F** you outta of your money, credit, collateral and your sanity!