Using the internet for a loan is foolish due to the on line scam artists. I was rip off on July 20, 2007 of $60.00 from Bluestar Direct, which I have never made contact. Only talked to a man with a Jamican speak pattern informing me I had been approved for a $7500 line of credit. The next day my checking account was rip off by a ever lasting credit card for $49.95. I firgure again I had been on line attempting to get a payday advance. Instead of getting money, on line scam artist was drafting fraudulent checks witdrawing money from my checking account. Which once reported to the bank the money was reversed into my account with in 5 days. While at the same time my checkign account had to be closed and left open with restrictions to receive my pay check direct deposit. Overdraft fees were return immediately by the bank. Lasting, this canadian loan company with many different names 1) First Manul Financial Corporation, 2) New Lending, 3) Superior Financial, and 4) United Lending all individual telephoned me had Canadian speak patterns whether they were males or females. There was a Becky Collins, who informed me I had been approved for a $8000.00 loan. Then the options 1) a person can co-sign who earn at least $50,000 annaully, or 2) I could pay three months in advance of $450.00, or 3) I could pay a total of $980.00 for insurance on the loan just in case I lose my job. I am needing an emergency loan and not to pay any money out. I caught this scam, immediately. All this scamming to me happen all in one week. I have learn my lessons to never use the internet for any form of loans. Peoples are really scamming on the internet. And, those Canadian really have some serious problems.