UPSIDES

Most of my experience with this company has been positive. The reps I’ve spoke to are always very friendly and their service is usually always fast. There has really only been one small hiccup (currently trying to refinance my loan through them and it’s definitely taking more than the usual 24 hours), but I’m willing to bet it’s really only because it’s barely 2 days after Christmas. When I applied I have the money in my bank account no more than 24 hours later. I even had to do a skip payment once and all it took was a 5 minute phone call to them. Granted, their interest rates are high but that’s because this not a traditional loan, it’s an installment loan. Not only that, people with good credit typically don’t apply for these types of loans - their clientele (myself included) typically have poor credit and lending to people with poor credit is a risk if you look at from a business perspective, so stop complaining about the interest.