Legally speaking, this is a legitimate business. They offer an array of loans for most any purpose including refinancing. It's what's known to be a limited liability company and makes legally enforceable loans. In other words, they will sue a person in default in state court. Therefore it's advisable to use much care in the amount of money that you borrow. Unfortunately, this is an all too common business in my hometown. While this one isn't any worse than the rest of them, I never advise anyone to business here. read more