I would like to bring upto you guys that , if you are taking a loan online from any lending company. And if you receive calls from Cash. Net. USA, Advance America, Community Choice Financials, etc. They would say that you're approved for loan even if you have a low credit score. They would lure you saying you don't have to pay any upfront fees and we don't check your credit score (which is too good to be true). In the name of PPI (Payment Protection Insurance) they will they will say that they will pay for your PPI by depositing small funds into your account. So this is how it works, you will get a call from a lender company sayin you have been approved (without checking your credit score) for a personal loan that to without upfront deposit or co-lateral. They would say that they will offer a minimum of 2 or 3 grand with the lowest interest rate that would be starting from 6-10%. After verifying your basic details they will emil or text you link stating that you will have link bank authentication link your bank account to there online banking server/credit bureau server and in that website/from they will ask you for your banking info like username or password which they will say that no one would have access to your account, it will be safely kept in there server and deleted once you receive your loan amount (which you will never receive it). Even they will convince you to fill the form via there website or form. Once you provide your info to them they will say that they will deposit a small amount (b/w releasing your loan amount) anything b/w $200-$1000, and they will ask you to return the funds in form of Cashapp, Chime or any certfied store i. e., Walmart/Walgreens where they would say that they will provide you a barcode or ask you to buy a gift card or debit card. Even if you accept there T&C they will not deposit the loan amount into your account. And that's the catch. Before giving any of your personal details to any lending company verify from the original company via call. I saw many red flags so I hung up there call and reported it as a scam. Stay safe and never provide your banking information to any lending company without verifying from the original lenders.