This company is trash. They use personal cell phone spamming tactics and lie about everything. They are not direct lenders. They are not a fintech company. They are bottom of the barrel snake oil salesmen. They are only "fintech" when it comes to hiding behind fake companies when they are spamming. These are temporary websites that come down after a week or two. A class action lawsuit is pending against these *** Avoid First Union Lending and blacklist anyone involved with their company and everyone involved with the owners. User's recommendation: Avoid Completely.