Who called from 2065960684

Yes he told me that I was qualified for a $3,000 loan they had to pay $150 to receive it question you need

Yeah they told me that was qualified for a $2,000 loan but I have to pay a hundred fifty Western Union to receive it yeah right

That is an "advance fee" loan and is illegal in every state therefore nothing but a scam.

I recieved a text message saying my loan was approved I call they say approved for 3000$ loan as well paying back 140$ a month for 24 months but have to pay 150$ in advance how do I know if its a scam I really need the money?

Your answer is in the post you replied to.  Didn't you read the post before replying?