have any of you used a loan service where they give you a loan but tell you to put a down payment of the first 6 months, 4 months, 15%, etc... before you get the loan? my brother is thinking about getting a loan this way, he obviously doesnt have good credit.. it isnt bad either but in these financial times it is hard to get a loan I assume. the loan is for 10K and they are asking him to wire money to them for it ($1500 to be exact) as a deposit, and that it will be applied to the first 6 months of his loan payments. I have never heard of a loan like this but one of his friends says that he used a service like this and that they were legit. I will be the first to admit that I really dont know much about getting loans outside of going to a bank for them but I dont trust his friends either because I think his friends are deabeats.. lol.. but that is another post. The company is Express Link financial and they have a website (www.expresslinkfinancial.com).