Don't take a loan out with this company unless it's a life or death situation, and if you have to, make sure it's a very small one. I'm serious about it being a life or death situation if you need money that desperately. You will be paying an exponentially huge amount compared to what you borrowed, which is called usury and should not be legal. If you have any other means of getting funds, rely upon that first that firsfo User's recommendation: Don't use this company.