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@bmabramczyk thank you for your input, I didn't realize how bad this really was. I'm not going anywhere near that place

I got a small loan from easy financial about a year ago and paid it off. They just "pre-approved" me for a loan of $17,500 at 40% over a 7 year term. Now from what I've seen online, that's a pretty high rate. Bills are stacking right now but it's nothing unmanageable. Would just be nice to have...