DOWNSIDES

This company promises a lower APR if you are paying off credit card debt, but after you go through the entire process you will find out that \"your credit card company does not accept payment from us\". They will not offer to mail in the payment for you if their payments are not accepted electronically, you will be forced to take a different type of loan that does not directly pay off your cards (you have to take the full amount and pay them off yourself) and lose the lower APR, raising it approx 2%. I have done multiple debt consolidation loans and have NEVER come across this issue. Both my cards were from major banks BofA and Barclays, not a small local bank. Seems like an unethical way to lure someone in and then get a higher rate out of them.