Of all of the loan companies I have ever dealt with in my life, this is the friendliest, fastest, most helpful one around. Just as with any company, you have to meet credit minimums, but they work with you to get your credit established and on the right track. I started out only being able to borrow $120, but within 5 months, I have built my credit up to be able to borrow much more that I would need to.\r
They report your payments to the credit bureaus, which really makes you look good in other lenders eyes. They work with you on payments, and are the only lenders who offer to work with you when it comes to late fees.
Pros: They are always able to help everybody
Cons: The fees could be a bit much if you don't really need the money