May I say. This is one of the things that a crooked mind can do. Some people use too much exploitation on a current on-going hype like this. They are abusing it. Though Lending program or such are okay but still it must have proper documents. Although its sad to say really that only people who are technically inclined or lets say a bit of tech savvy can benifit to this type of business. Still it must be a win win for the client and whoever organize it. Or Im not making any sense lol