Every detail about the loan was up front and transparent. The application process was simple. I have used the service 4 times with no issues and I pay off the loans early to save on the interest. I also like how it uses texts to send a pin to your phone instead of having to remember a password for the site. the site itself is very simple and easy to check on the status of your loans and change your automatic payments. I have automatic payments set up, but I like to pay off as much as possible so it doesn't really get a chance to get triggered. If you have a $10 a month payment and pay $30, they count that as 3 payments and you won't owe for 3 months. I use my PayPal and bank account to make payments with no issues.