It turns out there's a huge online bidding process for such loans. ETaxLoan isn't a lender at all, but something called a lead generator.

It finds potential customers, then passes them on. When I tried to contact eTaxLoan to learn more, I might as well have been looking for the holy grail.

The company's customer service line connected to a recording that said "due to an overwhelming response to great loans," it could not take calls. The site lists an address in Delaware - but the company isn't at that address. I spent days trying to find the company's physical location, without success. And when I tried to call back the people who had offered me loans, I couldn't get through.

But eventually, I did find someone willing to talk about the business.

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