I got one of the invitations by mail saying I was pre-approved for up to 40k. Did a lot of research and decided to apply. I applied online for 15K for 36 months with an APR of 6.99% to pay off high APR credit cards. Got an instant approval without the need to verify any additional information or send in anything. (this was all around 1pm on a Monday) My FICO is only 714 but there are no negative marks on it. The only thing pulling it down is my high balances on my credit card accounts. I just filled out the electronic paperwork and it said I should have my money deposited in 4 days or less into my bank. I'm pleasantly surprised. I wanted to add my experience here since this forum helped me decide to go for it and apply. I'm so happy I did. I will be saving so much money in interest!
Thanks to the members here for always being so awesome in guiding strangers like me in the right direction with improving our credit! Took a few years but I finally made an account to contribute to the discussions too!
