An advertisement (especially on/by Yahoos) doesn't make a loan.

Advertisers, especially those looking for victims for a scam target the most needy and desperate, since they're considered more likely to part with their money on the basis of false hopes.

There also are lots of ads here for help with debts, usually saying you must owe "more than $10,000," and claiming to wipe it all out. The usual pitch is that "you make your payments to the scammers and they wipe out all your debt."

The $10,000 minimum debt assures that your payments are high enough for a quick profit. The scammers keep all the money you send them; and your creditors come and get everything else after they stop receiving any payments.

John