I called them several times and every time its a different answer. I am POA for a family member who is in a nursing home on hospice with cancer. I have sent the POA to them twice and they still will not work with me to give me a payoff or help me through selling her car. They are not pleasant, loud backgrounds, language barriers and not helpful at all. Don't ever borrow from them, they don't care about their clients let alone the elderly that are receiving family assistance in their final days on this earth.