The site asked for more sensitive stuff - a bank account number and a routing number - and I made that up, too. In spite of the made-up information, in less than a minute, I got a response. "Congratulations. Tremont Lending has been selected as your lender and you have been pre-approved for a loan up to 750. " If I wanted to borrow 750 for a week, I would have had to pay 225 in interest.

The site said that was an annual percentage rate of more than 1,300 percent. I did not agree to take the loan. But within minutes, my phone rang (I had entered my real phone number).

Marks and spencer loan cash back

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Marks and spencer loan cash back

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Marks and spencer loan cash back