I was really in a hard spot. I didn't know what to do. I took a chance calling around and the man that answered the phone seemed so sincere and helpful, I was willing to drive there while I passed other places...I'm glad I did! He was just as nice and sincere and caring in person! He knows a lot about loaning money and he never made me feel like he was trying to screw me over! Rare! I've gone back several times since then because when I need a little extra, they're always there for me and never make me feel judged! He will do his best to work with you! It's worth it!