Help! I am in desperate need of about $400 and just received a "pre approval" letter from Mobiloans. I know that obtaining any PDL is taking a risk, but I was wondering if anyone has used Mobiloans and NOT had trouble? They show a payment calculator on the website indicating what my payments would be but is there a catch? I have already screwed up my account at my last bank and dont want to go through having to closing and opening a new one.