Gave me a loan at 13% that I took to try to build credit, cannot pay online so was mailing checks[remember how it was 20 years ago?] got notified of late payment, looked at my checkbook & had made timely payment so I called them & was told how they had'nt rec'd a check so I mailed off another... late. Then they cashed the first check 5 wks later, when I ask why they had no online payment capability they said that they would auto debit my acct. Witch I don't allow especially when they'er losing checks so fed up I paid the balance in full they then billed me $110 that I did'nt owe them when I pulled my credit report they have red flaged for 30, 60, 90, 120 days overdue with a writeoff frosting... boy did I build my credit WOW!