Hi,This establishment acts as an actual lender, but not even remotely close.What they offer is basically pre-2007 type secondary loans and sub primes.The establishment will somehow find a ding on your credit report/excusesto make your rates go higher. They get kick backs from the actual lenderwho is the real lender. So much for the money store, it is not an institutionas their name implies but brokers who will collect fees from the lenders,very similar to car dealerships, by receiving their fees both from front andback end of applications approved.Just a word of advice and wise friendly gesture, do your home workand at all cost borrow from primary lenders such as banks and credit unions.