Patty please do not go to Citifinancial or Well's Fargo for a loan that's like making a deal with the devil these are NOT "reputable companies" this would be the worst thing you could do please don't take the advice of the person who posted that suggestion.
I am in the process now of writing my MP and setting up a petition to get laws in Canada against Predatory Lenders and listing Citifinancial as one of the Companies guilty of this I don't want to see any other people fall victim to this Company.