We were told that our loan would be more like a second loan with no strings attatched with little intrest, When we started getting our statements our bills were more like a credit card bill. It seemed the more we paid the higher our payment rose. We even went as far as making our payments monthly withdraws to try to make it go down. It is my considered oppinion that our loan officer completely lied to us just to get the loan and make his profit. I will neve trust Benificial for any kind of loan o any kind ever again. And I will never recomend any of my friends or enimies to try any of your loans because of the way my wife and myself were lied to about the loan and payment dispersment. I hope that this helps anyone else from falling into the same TRAP that I fell into. GOOD LUCK POR PEOPLE