Didn't really plan on getting a loan but as a college student, sometimes you have to do what you have to do. I heard of them a couple years back but never really gave much attention since I was in no need of a loan. But the time came and TFC has made the process a whole lot less stressful. It almost seemed so fast considering the fact that I just started building my credit. I had a couple fees at the mechanic that I needed to get paid and was in need of some emergency cash. I was approved the same day and was not charged any pre payment fees. As a first time loaner, I couldn't have imagined my process to be any more simple. 5 stars!