I used them for a consolidation student loan. After one year, my variable interest rate would go up each and every month. Adding at least $15 per month to my payment. Absolutely crazy! There are so many better options out there, please look elsewhere! Do not give your money to these crooks!
Paid my payments on time, was looking forward to using it again for another purchase, but as soon as I paid it off they sent a letter saying sorry we have close your account as you no longer qualify or something to that affect. My credit score is better than it was then. I contacted them to get some idea of what happened was given no usdul answer. you would think that paying it off perfectly would speak for itself !