I just experienced the most classic bait and switch attempt I have ever seen. I previously took out a loan for a couple of thousand about a year ago. The interest rate was about 18% APR. I applied for another loan this year for about $ 1500. When I got there I was handed the paperwork. At 35% APR! And this was for a secured loan with he title to my truck! I don’t need to go into details about my credit, but I have pretty decent credit and sure do not deserve such a ridiculous rate. Here is the kicker… As I am leaving the manager tells me I can get a much lower rate if I just borrow a lot more money. Basically they just don’t want to waste their time on smaller loans. This is simply not how you treat customers. I have been their customer since before they took over from Beneficial. I will never do business with Springleaf again.