DEFINATELY - do not use this company unless you are sure that you will pay off their loan within a few months. Every payment you pay them is all interest until way on the back end of the loan. I was approved for $3000 and reviewed the payment schedule carefully where it shows a a small amount going to principal even for the first payments, so naturally you wuld think that by now (4 monthly payments later of $372 each) that there would be a balance of less than $3k right....wrong! The payoff balance is now $3003! Huh?! Although the initial payment schedule shows a small amount going to the principal it is virtually non-existent because their interest is over interest upon interest! I don't know how they get away with showing a principal applying in the schedule upon the docusign (agreement), and then the reality turn out to be not that. This company is certainly taking advantage of the average US citizen's vulnerability. Deceptive Lending is their practice, and their bread and butter I would guess.