do not ever ever ever deal with this company as they are nothing but a bunch of thieves who prey on individuals who are struggling in debt. At a moment in life when I was deep in debt I had asked for a loan which they denied but explained to me about a secured loan where I would pay into it for 24 month, earn some interest and that they would also bring my credit rating up by reporting to the credit bureau. due to an emergency 5 months before my loan was supposed to be released I had asked them to return the funds. at which the agent and the manager who are heartless ppl by the way kept saying that I should have read the contract and that they couldn't release the funds. up until today my credit rating hasn't gone up or improved and then they say that there will be a 400$ admin fee for doing absolutely nothing for me and on top of that charge me interest in the amt of 39% and guess the amt of interest I will be earning? 1.5%!!! not even banks take advantage of you like this. so none of this is explained initially and when brought up they go through the same old excuse "Didn't you read the contract???" even if you are dying and are in need of your funds they will still hold it hostage trying to milk you of every single cent of interest and their only response would be a cold hearted you have to make other arraingements. DO NOT ...i implore you no matter how much you are in debt ... DO NOT ever deal with this company as they stand to benefit from your despair. and if you sign that contract you are making a deal that is worse than signing with the devil