Whatever you do, love yourself and search out other loan arrangements before getting one here. Your loan will never be stated to you in terms of the annual interest, which can be as high as 320%. So unless your poor financial situation changes really fast (as in within 30 days fast), your huge minimum payment won't make a dent in the borrowed balance. It will only serve to keep your loan alive. In addition, if you can't pay it off on time, this company may choose to refinance it and attempt to raise your interest even more, per the contract terms. These loans should be illegal. If your credit is so poor, you're considering a loan here, ask everyone else first - family, friends, credit unions, banks - sell stuff on craigslist. These loans are that awful. Please trust me. Take care of yourself and your finances. Think twice! I won't criticize any of their employees in particular but will simply add they are highly unprofessional as a team, and DO NOT care about the severity of your financial situation. No one is helping you by offering such horrendous interest rates. Please trust me. These loans are financially painful. read more