Although in this tough economic times their rates are 12-14% and late fees are 10% after 7 days and an additional $75 fee after 30 days late. Attorney's fees are added after appx. 45-60 days. They will not work with you and they are only about draining your bank account. Most of their employees are cold and curt. Please investigate and proceed with extreme caution when considering a loan through James River Investment Corp.
Pros: They make the application process very easy.
Cons: Fees, Customer service.