Borrowed $10, 030 total. W minimum payment would cost me over $24, 000. I paid the first 3 months in advance of payments of $350, minimum payment was $324 each. I was still charged $184 minimum payment fee for each month even tho I paid more. They told me if it wasn't the full payment it's considered a minimum amount. I've received hundreds of calls, been threatened, and I hired a lawyer, when I applied for a loan, the apr was 19%, they changed it to 27.99 before I even made a payment and charged me as a credit card account and not a standard loan service as to what I was told. Currently fighting them over fraudulent information, distributing secure information, harassment, and they violated the contract and lied about it, I recorded the phone calls as well. Caught them lying. Keep all ur papers from these liars!