Ripoff for sure, don't do it. You will pay back triple the amount you borrowed. Customer service is awful, big time liars and rude. Borrowed a $1000 paying back like $3000. They lie about contract, they keep changing contract. For like 6mons cause I couldn't pay the full amount back they charged me any where from $220 to $297 none of that going towards the principle and it kept getting higher and my monthly payment kept raising monthly. Then they email me a contract, for 12mons of payment to go towards my loan of $145 a month. Also they charged me for some type of insurance. It is horrible and really shouldn't be allowed.