This company makes its money by taking advantage of the average people in this world who live like many people do, cheque to cheque. We pulled a 6, 000 dollar loan with Citifinancial almost 3 years ago when we were in the process of moving to a new town hours away. We new we were going to be short on cash due to the extra costs that seem to come up when selling, buying and moving to a new home. Citifinancial had been sending us "preapproved" loan letters for months, so we decided to take it. Ever since then we have been regretting ever borrowing money from this company, they have been nothing but rude and inconsiderate. One of the managers actually went as far as to HANG UP THE PHONE on me because he claimed that he could no longer help me, when all I was asking was why the balance on our loan was now more than we had orignally agreed on. They leave harrasing messages on our voice mail and make false accusations before even speaking to us. Now there is an additional charge that was added to our loan, and they can not explain why! I would not recomend that ANYONE take a loan with Citifinancial, it really is not worth the headache!