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)
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, 7 Jun 2011 15:06:46 +0200
Subject: Apply Now!

Hello Loan Seekers,

There is an easy way to get the loan you want. Whether you are looking for a personal loan, business loan, credit card, or mortgage loan, ARCE Financial Loan puts them within your reach. ARCE Financial Loan has been accredited by the lender's council to give out loans to local and international clients.

We have been given the privilege to meet your financial needs. The issue of credit shouldn't stop you from getting the loan that you need and we have made that difference in the lending industry. 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, below is Loan application form
(No credit check, 100% Guaranteed!)

Fill out our simple application to get started today!

1. Title*.......................
2. Full name*....................
3. Date of birth*..................
4. Full Address*...........................
5. Tel*......................................
6. Purpose of loan*...................................
7. How much would you like to borrow?*...................
8. How long would you like the loan for?*.....................
9. 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
ARCE Financial Loan

Anti-fraud resources:

What can you do when you receive 419 spam