They're kind of like a lending tree type of lender. I think most of their marketing is done through direct mail because thats how i heard of them. i used them to consolidate about $30,000 in credit cards. i was lucky to qualify because my income compared to my bills was borderline but the representative that i worked w/ really helped me out and i love having just one payment to make! i did have to close the credit cards, (that was actually great for me, cause they were killing me w/ interest rates and fees!) they actually work with other programs that i qualified for w/ no problem and i was going to use that if i didn't get approved for the loan, but it all worked out! THANK YOU LRP!!!