to cut a long story short.. they charge a broker fee of which is NOT easy to see on their online page. I was charged this broker fee around 7 months ago.. I STILL HAVE NOT RECIEVED A LOAN FROM THIS COMPANY. my feelings are that this company is fake.. so please.. whatever you do.. do NOT apply to merlin money.. I also noticed that when you apply to different payday lenders.. they will redirect you to merlin money... PLEASE DONT DO IT!!!! you will not get your money back even though.. after you pay it.. your online page says you will.