If you need money in a hurry like within two days and you know you can pay it off in 2-3 weeks then they are good to go through. I took out a 700 loan and paid off in 3 weeks. I paid a total of 230 dollars in interest. and initiation fees. Just do yourself and pay it off quick or you will be paying a lot of money. If I didn't pay it off early it would of been a total of 1544 for a 700 dollar loan..