Got a “live check” from Milend. Legit? Safe?

And I could really use the “loan.” Basically, it’s like junk mail. It’s for a $1,000. It says the following:

APR: 9%

Finance charge: $49.42

Amount financed: $1,000

Total payments: $1049.42

Says “this is a solicitation for a loan.”

Ngl I’m desperate. It’s like it came at the right time, if not the right second.

Anyone know anything about this type of stuff?