The cost of borrowing from Citifinancial is unbelievable. I borrowed $15, 000 from them not realizing that I would have to pay them back $25, 000 plus the amount I paid monthly goes directly to interest first than the balance I’ve paid these people 2 times over and still owed them the $15, 000 when I went and consolidated my debts they were the only company that wouldn’t drop the interest payments which means I’ll still be paying for another 3 years until this amount is paid. I think I would have been better going to a loan shark I think I would have been better off. Even now I’m making my payments on time and they are phoning the Credit Company I deal with every month for payments. Avoid these people if you can, there are other ways to deal with you debts. They are very dishonest and sneaky.