I contacted the company with brief information online www.advance.com. They wanted the first payment up front. I lost one Vanilla reload fee to somewhere and disputing this. I finished everything in two weeks since i dont have a lot of funds. Fees are used through Vanilla Reload cards and can get these at any store like a pharmacy. All fees were completed. They tried my bank but my bank does not have a "link" with them so refused. They said my funds will be western union to me as i paid these fees also, and nothing. There are more details but this report does not allow this. I will talk to authorities or valid investigators. Avoid online loans with upfront fees and using other than a valid money business method. Apparently Vanilla card reloads for for individuals not business as i found out later. On;ine money is bad news.