When you apply, even before you're approved, they require a $1,000 deposit. After submitting my application I was denied in less than 15 min. No problem. However after a week they're still holding on to the $1,000 deposit. The $1,000 deposit is on top of an application fee. I've lived in 4 different states and never seen a practice where you're asked to deposit a hold BEFORE you're approved. Even so, it shouldn't take a week to get a refund for an application that was denied in less than 15 min.