419 scam: "Loan At 2% Interest Rate"<ltlender@aol.es> Apply Now!

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"419" Scam – Advance Fee / Fake Lottery Scam

The so-called "419" scam is a type of fraud dominated by criminals from Nigeria and other countries in Africa. Victims of the scam are promised a large amount of money, such as a lottery prize, inheritance, money sitting in some bank account, etc.

Victims never receive this non-existent fortune but are tricked into sending their money to the criminals, who remain anonymous. They hide their real identity and location by using fake names and fake postal addresses as well as communicating via anonymous free email accounts and mobile phones.

Keep in mind that scammers DO NOT use their real names when defrauding people.
The criminals either abuse names of real people or companies or invent names or addresses.
Any real people or companies mentioned below have NO CONNECTION to the scammers!

Read more about such scams here or in our 419 FAQ. Use the Scam-O-Matic to verify suspect emails.

Click here to report a problem with this page.

Some comments by the Scam-O-Matic about the following email:

This email uses a separate reply address that is different from the sender address. Spammers use this to get replies even when the original spam sending accounts have been shut down. Also, sometimes the sender addresses are legitimate looking but fake and only the reply address is actually an email account controlled by the scammers.
The following phrases in this message should put you on alert:
- ",000,000" (they want you to be blinded by the prospect of quick money, but the only money that ever changes hands in 419 scams is from you to the criminals)
- "00,000.00" (they want you to be blinded by the prospect of quick money, but the only money that ever changes hands in 419 scams is from you to the criminals)
- "loan amount" (Beware of fake loan offers. Real lenders would not normally use free webmail addresses such as Yahoo, nor would they lend to individuals or small businesses in a different country from where they are based. Beware of mobile phones or redirector numbers!)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.

Fraud email example:

From: "Loan At 2% Interest Rate" (may be fake)
Reply-To: <ltlenders@aol.es>
Date: Tue, 14 Jun 2011 18:11:42 +0200
Subject: Apply Now!

Get Guaranteed Finance regardless of your Credit!

ARC lenders are known for providing finance for people undergoing financial difficulties. It doesn’t matter if your credit score is less than perfect; in fact, even with Bad Credit, No Credit or Bankruptcy you’ll get your desired loan.

Moreover, you’ll be able to get higher loan amounts payable in small monthly payments. ARC lenders offer for homeowners: Investment Loans, Debt Consolidation Loans, Business Loans, Personal Loans, Home Loans and Refinance Home Loans too. You’ll get all the finance you need with Instant Guaranteed Approval, in the blink of an eye!

We offer loans from $20,000.00 to $5,000,000.00 for any purpose, loans are advanced over a period of 5 to 40 years, no penalties for early repayment, loans are charged 2% interest rate. Upon Response, Fill out our simple application to get started today!

1. Title*.......................
2. Full name*....................
3. Date of birth*..................
4. Full Address*...........................
5. Occupation........................
6. Tel*......................................
7. Purpose of loan*...................................
8. How much would you like to borrow?*...................
9. How long would you like the loan for?*.....................
10. Total income per month*..........................................

In acknowledgment to these details, you will be sent a well calculated loan terms and rates for the period of time that you need the loan. We do not do any credit check before granting loans. Send your e-mails to: smortgage@aol.es
Thanks for your understanding and waiting to hear from you.

Regards,
Rai Aishwarya
ARC Financial Loan
Email: smortgage@aol.es

Anti-fraud resources:

What can you do when you receive 419 spam