This is a good place to go to get cash! All you need is a pay stub, utility bill in your name, ID, and four references not related to you. There fees aren't bad. Towers Loans say they do report that you have been paying your payments every month to the credit bural. I have spoken with a few people who told me it actually did help there credit out quite a bit. And if you refer a friend it's twenty bucks you get for free. Its like free money...I guess. The employees are really nice and understanding. Sometimes you just need money things just come up. You know.