I took a loan out for 2600.00 which after all the starting fees came out to like 2500.00 and I was told very little about anything other then the payment would be 199.09 a month. I started this loan in April 2005 and I just made the last payment Novemeber 1, 2008. I made an effort a couple of time to make more then the monthly payment which is why I was able to pay it off before the expected contract date. I ended up paying 8600.00 for the loan that I got it was crazy that they could charge you 89% intrest and not think twice about it. If you miss a payment and it is not paid by the 5th of the month then they charge you another 15.00 and they charge interest on that. Now I am here with 4 months of fees and they are not willing to waive these fees and have me be done with this so there I am 63.91 owing to this company that got 8600.00 of my money for the 2500.00 of their money and they can not waive a fee?? Nice profit, I am in the wrong business. I think that you would be better off sucking up your pride and borrowing the money from family or something, even those check cashing advances are not as high as this place. This is just a service that preys on the lowest of the low and takes advantage of someone in a place that they are working hard to get out of. Do not use this service if there is another way, if my numbers are not enough proof that it is not worth it then I am not sure what it will take.