Wondering the likelihood that this loan offer is legitimate, given the informality of the way they reached out thru text

Welcome to r/scams. This is an educational subreddit focused on scams. It is our hope to be a wealth of knowledge for people wanting to educate themselves, find support, and discover ways to help a friend or loved one who may be a victim of a scam. Please read the rules: https://reddit.com/r/Scams/wiki/rules and our wiki BEFORE posting. Please give posts appropriate, descriptive titles. Joking comments on serious posts will be removed. Be civil.