They only hurt your credit score if they have to sue you or turn you over due to non-payment. They have helped my score but then I try not to keep a loan too long due to "I know before going in how much it cost" but sometimes it's better than paying a late fee on different bills. Rachel and Jaime in Springfield Mo are the best to help I'd always go to them.. But if possible don't borrow until you know all the % and make smart choices, I prefer Security Finance over all the others...... read more