If you haven't applied for a loan and someone calls you to offer one, BE AFRAID...BE VERY AFRAID. Seriously though, this is a common scam. Caller says you qualify for a loan of, let's say $3000.00. All you have to do is send a prepaid fee of $450.00 and your money will be deposited in your bank account (you will have given them your number) within 24 hours. There is no loan, you've lost your $450.00 and they have your bank information. Common scam in US and Canada. Here's some info on it: