Everything I've read about Loan Point USA says don't go near them. I was doing research for an Econ paper about how payday loans hurt people. I found a few forum sites that really have nothing good to say about any payday loan company. Check out debtconsolidationcare.com for more info about this company. Go to the site and do a search for Loan Point USA. I also found a court case involving Geneva Roth Ventures and Loan Point USA that says they do business illegally in California, which means the company is probably illegal in other states. I'll try to include the link http://www.corp.ca.gov/ENF/pdf/2009/LoanPoint_dr.pdf