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@larryicels They exist for a reason, but if you don't need a loan and have decent credit, they are not your target demographic. Honestly, places like this I associate with the bottom of the barrel. Gambling addicts, drug addicts, etc. Now, I know I probably sound like a major asshole saying...

@larryicels OP. Listen carefully and read what I say multiple times. Do not take this loan. 40% is fucking insane. I've never heard of this company but it sounds to me just from the interest rate that it's no different than one of the many pay day loan type places that have been popping up...