This is a good site -- no big problems with it, everything was straightforward and all the terms were readily accessible. Also, the customer service rep was AWESOME. High five for that guy. I didn't end up getting a loan with them because it turned out my bank offered me one that was a bit better but i would have gone with personalloans.com if the apr had been less than 10%... my credit is only average though (640). All in all it was a good site and i almost got a loan through them.