Thanks for that. I kind of figured that may be the case. Sounded too good to be true.

Well, assuming you're not a shill, please let me let you know that there is no loan.  Your callers are scammers.   They will ask for an upfront fee to be wired to them by untraceable means.  Once they have that, you'll never hear from them again.  I mean, get real.  What legitimate lender is going to loan you $5000 on a personal loan for 2.5%?  Nobody.

Things to remember about loans offered by phone or e-mail:  (Pay  attention to item #4!)

Loans
1.    No reputable lender will lend you money over   the   phone.
2.    No reputable lender will lend you money by e-mail
3.    On-line lenders are nothing more than conduits for another loan scam.
4.    Advance fees for loans are always illegal.    At  least in   most    American states.
5.    If   you want to borrow money,   go to an established brick and mortar   lender that has been around awhile.
6.    If you receive a call from someone with an Indian accent either a.  threatening you or b.  offering you something, you know it’s a scam and you should hang up immediately.
7.    These people are predators, the calls are not random, they have information that they have bought from various sources and know your financial history.  If you have ever taken out a pay-day loan, they have all your information.  They know who they are calling.  They like to pick on women, single mothers, the elderly and sometimes  members of the immigrant community.   Also,  those who might be in financial difficulty.
8.    Report them here: http://www.stopfraud.gov/report.html
9.           And here:  http://www.ic3.gov/default.aspx

Mary,   I am thinking of going into making Corpse Eating Turtle Chow, and then selling out to big pet food company.  What do you think of the name "Gunga Dinners"?  Snappy, right?  Kinda of "Fun" I think.  I am interested in your opinion.   I could use a smart number like you to do the local work for me and get the 'raw materials' I will need.  If you are interested, you will have to pay me an application fee, but that is pretty much standard, right?

PS - I know you a windows computer.  I got a call from the Mikrosoft and your computer has been sending with a virus!  I have a friend, John Smith, and if you give my your phone number, he can call you, OK?   Nothing is too good for YOU, my friend!   Love ya EVEN MORE today than yesterday! (Not as much as tomorrow!)

Thanks CWG40 for your response!! I had a gut feeling it was a scam, but needed to put this out there for confirmation. Thanks again!!