Last month while I was searching for a personal loan, I was contacted by a company called Milner Financial. They offered m a loan for $5000, over 36 months, for 7%. I was stunned! My credit is so awful I thought 7% was a godsend. I spoke to a man named Bill Bailey who told me that because of my poor credit they wanted to secure the loan with a six month deposit of over $900. i told him I was definately interested but I wouldn't have the money until my next pay day. He replied that he would leave my file open until I called him back. Later I tried a search for the company, but came up empty. After a couple of days I decided to look on BBB.com to see if they had any info on this company. Needless to say, Milner Financial is not accredited, nor are they a licensed lender. They also have a sheet of complaints, most of them not resolved. Thankfully I decided to look into this company further before I gave them half of my paycheck. I just thought I should put my story out there, try to stop someone else from being scammed.