I applied for a loan online which involved having to provide/verify personal banking information (totally nerve-wracking but was a mandatory part of the application process). At the end of the application, a message is received that someone will contact you within an hour. After several hours went by without a call, I tried calling their main toll-free number. No answer. I called several times periodically throughout the day. Not once did anyone answer. The line didn't even have any kind of automated message. I also tried reaching someone via email. Finally after sending multiple emails practically begging for assistance, someone responded to my email at the end of the day. I was told there was no one to answer the lines because of Covid and workers were working from home. Makes little sense to me though especially since I have applied to other similar companies and have not ever had a problem reaching a live person on the phone to help go over details of a loan. They also weren't too friendly. Albeit at that point, I was frustrated, but to basically be told do I want to sign it or not is also shady af. Do they really expect someone to feel comfortable signing a financial agreement when there is no one available immediately to answer questions? I suppose if you're completely desperate you may go ahead with using this company. If you have a choice however, I'd seriously think twice!