OMF have been mailing prequalified info and today the representative wanted me to use my current auto loan as collateral which means a higher interest rate with them and in my opinion is unethical. The rep told me good news they can help me but must have a source of collateral. I told them not to mail me anymore prequalified info or otherwise. I was requesting only 1500 dollars and have 4 sources of income that equal $2600 a month and they would not qualify me because they want to combine their loan with my auto loan in order to charge me a super high interest rate. I have read other customer reviews and they are quite unfavorable. This company is a rip off company. I wanted to have a face to face with one of their reps and they avoided giving me the opportunity to come in to their office. Think hard and do your homework before you apply with this company.