My credit is not horrible but not all that great. I still have a bankruptcy that won't fall off until next year so I am surprised I got this. I have been paying a cc off every month for two years so imagine that helps. The rate was better than I expected considering my situation. One thing I didn't pay attention to is they take a fee from the principal so keep that in mind. So if you want a loan for 5k you may need to get one for 5,300 since it may be around 300 for the fee. I have not needed to speak with anyone so I can't comment on customer service but the website is very simple!