Yours truly did, and decided to apply since the offer was from a well known, reputable company.
I was turned down, which didn't really surprise me. However it really was disappointing, since I hoped this would be a way for me to consolidate some bills, and possibly help get me on the path to having my much needed eye surgery.
What I hate from these offers, is the implication that you merely need apply, and "get your money as soon as today if approved by noon".
Fine. Why though, give the recipient the impression that they can get a loan, by sending them the offer in the first place?
They must send these offers out in a mass mailing from a list they get from somewhere is all I know.
Still it would have been better not to get such an offer in the first place if there was really no chance of approval at all. One would hope that there would be some type of pre-screening so that those with low credit scores wouldn't get their hopes up, just to get the rug yanked out from under them again.
I mean I didn't need my nose rubbed in it.