Well I am having a time trying to get any kind of information on stcadvance.com. Well today, I decided to call the customer service number. A woman answered the phone and I tried to get the physical address and of course she said Malta. (By the way, her english was better than mine:) ) But that don't prove much. I then said well I was referred by a friend and I was wondering if I could apply for a loan. She was really rude and stated no-we don't take referrals.