I should have known better. First person (salesman) I spoke to was wonderful. I explained my situation to him and he said although there were no guarantees, that it should be 'no problem'. I was very clear as to my circumstances and the amount that I needed. The actual consultant was brief, but he submitted two applications for me. Those people informed me that NO ONE would give me a loan with my circumstances, and most certainly not in the amount I needed. The consultant then said I could get a co-signer... and he would not be able to submit those applications but would give me instructions. They had told me that THEY did all the leg work. At any rate, that was $300 right down the tubes. I needed that $300!! Stupid me.