I get a regular loan and sign the usual papers, then able a week later I pay that loan off. I then start getting calls after calls after calls saying I owe money for a line of credit. I connect correct l check smart (been going for years) and now they have no answers to my questions beside were sorry you werent informed that the loan is different but in order to opt out youll have to pay more. I refused and no one could help me out. 8 months later a 3rd pay company started taking money out my bank account and now Im fighting it. These are the worst 2 companies so please stay away. Nothing is worth your peace age money.