This lender is fine until you miss a payment. The interest rate is high and they will come after you very quickly. They will also lie - they are claiming that I missed a payment (I have all my bank statements to show otehrwise). They will also not respond to phone calls and their lawyer is difficult to work with and to get a response from. If you anticipate you will have a perfect financial life go ahead - but if you think you might possibly have an unanticipated circumstance that would require understanding on their part, run away.