My experience with momentum was terrible. I realized that even junior staff can manipulate you payment records and make you feel like you owe them more. Ezua japa almost destroyed me, imagine making monthly payments for twelve months just to realize that you still owe them the same amount you took, and to make matters worse, nobody explains this to you when taking the loan. And not forgetting the hidden charges. I have a lot to type, but generally you need to understand what you get yourself into