I applied over the phone for a credit starter loan at this company. They gave me quick approval and I had no hassles. I went in and signed the papers and received the loan. The monthly payments were pretty low and the finance charge was minimum. After I payed my loan off I was able to renew it again at the same rate. The lady that helped me was very sweet. The staff was very friendly every month when I went in to make my payments. If you were late a day or so they were not breathing down your back about when you were coming in to make your payment. I will deffinitely go here the next time I need a loan.