I got a 4 year plan for a loan of $6400. The interest is front loaded and nearly the same as what I borrowed, making the loan close to 12k. They did need a car title. It is what it is. But my credit has gone up swiftly, and the monthly payments are more affordable than the credit cards I consolidated were. If you pay faster, the interest is lower. I didn't have other options, so, I can't complain. I may not entirely like the deal, but at least they offered one that worked.
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This company gave me a loan when i needed it but refused to lower the interest rate after I improved my credit score and was receiving offers from other places. Don't borrow from them unless you are prepared to pay incredibly high interest rates. When I borrowed from them, they didn't even apply anything to the principal until 4 months later. I payed 290.00 and the interest was 290.00 for 4 months. On the 5th month they applied 35.00 of this to the principal. Shame on them for taking advantage of people who want to help themselves and shame on them for not changing their rates once my FICO went from 590 to over 700. I took money out of my 401K and got rid of them. Beware! Their practices should be illegal. Oh and they definitely try to push all the extra insurance you don't need.
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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.