Yikes! I have used them in the past....The interest rate was soooo high and it took time to pay it off. I had the payments autodebited from my account and the staff was also helpful and accomodating. A simply call at 12:00 pm would yield a check at 3:00 pm. This should be one of your last resorts. Why borrow $1 and pay back $1.50...Check out this board for snowball ideas and ways to work with your creditors. Beneficial simply delays the inevitable....your debts must get paid..

Good luck!

Fifty