It is not a financing company. It is an Internet agent for finding sources of financing. 
They offer some good information. How it works for you depends on your status and what lenders you might find to work with you.
Like you might search for a hotel room at Expedia. But you don't stay at a room on Expedia, you stay at the Hilton or Ramada or Best Western or whatever, and results of your experience will depend on those folks.
For a pre-approved loan I would ask first at my credit union, check the other banks where I have deposits and regularly do business, and look into the cost of a personal loan against savings, before hooking up with new creditors.