I called this loan place to get a loan. They gave me quick approval over the phone and that is all I had to do was take my proof of income into them and sign my loan. They do require some collateral in order to obtain a loan but it wasnt a big deal. They offered me an affordable repayment plan, which made it easy to get my loan payed off in a short period of time. The ladies there were extremely nice. I plan to go here the next time I need a small loan.