they are by far the biggest crooks, they are no better than loan sharks. You will never be able to pay them off. They pile interest on interest. When signing contract they say for first year or so pay 75 dollars then 125 after until you pay it off. Unlike an installment loan there is no end in sight. So you stop paying and they give your debt off to crooked shyster lawyers who want to put a court sub peona judgement on you and a lean on your home User's recommendation: Never do anything with them, better off putting on credit cards or applying for personal loan.