I applied for a loan without knowing all of the details as I was in a bad situation and needed the money (for expensive car repairs). I was approved but once I found out the repayment terms, $500 a month payment for 84 months on a 5K loan, I said forget it.
I was called daily, sometimes several times a day, and pressured into taking this loan. I stood my ground and refused. After several weeks of daily harassment, they sent me a letter stating my loan application was denied and they would report it to the credit bureau.
They are a sleazy, predatory company and if you don't cave in to their scam loan they intentionally decline the same loan they initially approved you on. I firmly believe in Karma and know they will get thiers one day.