The term usurious was made with this company in mind. I signed on at a time of weakness without completely understanding payback terms and crazy rates on line of credit loans. Wow, is it a killer! Huge fee and high interest rate on top of that. Got to be borderline illegal as 21 of 50 states don't allow them to operate. Should have known better and I'm at fault. I would never repeat this mistake and would advise anybody looking at doing it to stop and get away from this site and find any alternative ie selling an organ or playing keno as odds are better for positive outcomes. Self flagellation would satisfy the need to hurt yourself but be less painfull