Paul B.

I've been a customer of theirs since 2014. I've had over 30 short-term loans with this company, and not one single complaint.

They will 100% work with you if you're going to need a little extra time to repay your balance. Their customer service is U.S. based, which gives me tremendous peace of mind when discussing potentially sensitive financial information. I'm much happier talking to Yes, their interest rates are higher than a bank, but think about it: they're taking a TREMENDOUS risk loaning non-traditional borrowers money. A small group of borrowers never intend to repay their loans, which makes the rest of us have to pay more, so short-term lenders like this can stay operational. It sucks, but that's the way it is. Also, no one is forcing you to take a loan with them - their interest rate along with total payoff amount is disclosed 5-6 times in big freaking bold text in the paperwork that you complete before getting any money. Don't cry about their rates, they have to make money just like any other business. Banks charge you too, they just do it in sneakier ways that end up costing you a butt-load of cash anyway too.

I'm sure that some people do have legitimate gripes about these guys. This industry is a tough one to be in, and you're dealing with a different sort of client base than traditional banks. Hey, I'm a customer too - and be real, there's usually a reason we can't or don't use real banks... most of us a HORRIBLE with money. Working at this place has to be tough, always hearing sob stories, excuses, reasons for this or that, whatever. That kind of crap makes customer service people grouchy, and sometimes that grouchiness gets taken out on the customer. I'm not saying it's right, but it does happen.

Taking this all into consideration, for the industry this company is in they do a damn good job for me. I've recommended them to friends, and they too have had good experiences. I'm happy that legit places like this exist, and I hope they this particular company stays around for a long time.