Trying to get loan but it sound like scam

actually they provide loan to me and its not scam

I just had a phone call from "American Finance" who told me that I had been approved for a personal installment loan of up to $8,000.  I was given a confirmation code and the number of a "senior loan officer" 484-485-9858.  The message said that Jeff Marteen was with Payday Express USA.
I was able to reach Jeff Marteen after 45 minutes and I discovered that in order to get a $3,000 loan, I had to come up with a security deposit of $305 to prove that I could make the $185 monthly payments at 11% interest.
I said I couldn't do that, and he hung up immediately.

diffently a scam !!!!!!! they got my money and are gonna pay dearly I promise

I got the same call! I called him out on his number being used for payday exspress. He said the reason most of you didn't get your loans was because you weren't approved like I was ( bogus story lol) I then asked y not pay them back? I never got a straight answer on that, I told him to drop me from his calling list he tried to insure me that the money would be there in a hour but I don't really have the money to give to a scam I'm doing this because I need help! It's a shame that people like this guy is doing this to people like I'd that are looking to make it a little better :/