I am utterly perplexed by the negative review about Josie's! I have used their services several times, and they are always incredibly sweet and helpful...I brought in a TV once, and when I picked it up the electronics guy walked it all the way out to my car for me. Their 10% rate seems perfectly fair, and they will call you to remind you the payment is due. (And also let you have another day to pay, if you ask nicely.) I actually signed up to citysearch specifically to leave this review, because their low rating is completely unfair and entirely undeserved. The selection isn't very extensive, true, but I wouldn't go anywhere else for loans.