How can you "win" a Loan? They would eventually tell YOU to send THEM money for some reason which is illegal. That is the typical scam. Of course there is no loan.
"Important payday loan offer. Summer is here again and we understand he can get expensive making plans to enjoy the sun. So everyday we pick 50 applications for pre-approval of a payday loan of up to $1000 and congratulations. You are 26th to pick for today to get your funds. Please press one now. Again press one now to get your fine. Otherwise if you would like to decline this offer please press nine now."