The APR is high but I found that the monthly payments, fees and APR would described in the legal documents and also during application cycle. I don't think this is a good loan to try to pay off other debt due to the high APR but it is okay for emergencies. I've only applied online but I wasn't confused on what I was getting into.
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Most Helpful Negative Review
Desperate Times call for desperate measures. This loan is one of them. I had apply on my phone and it was a tedious process. There was a lot of pages a lot of reading it wasn't made very clear the terms of the loan. Unfortunately, I didn't realize I was gonna have to make two payments a month and paint nearly $600 a month and loan payments. Secondly they say it's OK to make extra payments which means basically you should be able to logon whatever you want make a payment. Wrong. You can only pay like the day before the bill is due or something. I try to make it extra payment this month by modify my payment and ducted the extra I paid off of them out to for the next payment this month. Basically they're fixing it so you can't pay the loan off. It's ridiculous literally every time I make a payment $40 comes off the price of the loan. I've been paying it for about for five months now and I haven't even paid them back $1000 despite the fact I making two payments a month at nearly $270 a payment. This is not somewhere you want to take a loan from and less you have no other choice. I'm saying like apply every bank under creation because this is a loan that you will not be able to crawl out from under. I've tried a couple of times to pay extra on the loan it just doesn't make a dent in less you have a couple thousand dollars to pay off the loan early it's not gonna work out for you you're stuck in this horrible contract where you're going to be giving them more money than you should every month for years and years and years to come. Your website is stupid. There's literally nowhere especially when you're on your phone to find out how many payments you have left how you can reduce the interest anything they don't offer anything to help you out they just want to take from you. It's ridiculous I borrow $3000 by the time they're done with me I'm in end up paying them back $16,000. Company gets away with what they're doing because they know that people are only coming to them when they're extremely desperate. I was in a bad situation I had to come up with money quickly. I wish they would lease consider letting the people that are making the payments on time have the interest rate lowered every six months I mean something they're horrible. I honestly did not know what I was getting into the Sending me a preapproval letters in the mail and it seem like it was almost like a payday loan type of situation which is not. Beware!
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**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based on analysis of information provided by the consumer and available rate information from lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 2% to 12%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, vehicle information, credit usage and history. All loans are subject to credit review and approval. Additionally, model year, loan-to-value, minimum loan balance mileage, income, debt, etc. restrictions may apply. When evaluating offers, please review the lender’s Terms and Conditions for additional details.