Shill alert!
Read this:
"It is illegal for companies doing business by phone in the U.S. to promise you a loan or credit card and ask you to pay for it before they deliver."
http://www.consumer.ftc.gov/articles/0078-advance-fee-loans

In addition, payday loans are illegal in many states.

He provide you a loan okay??? The reason people should block, or not answer ALL unknown calls from the 305 area code is because they will not have to deal with scammers and shills like you! Okay???