Their loans are overpriced, they charge high late fees, customer service does not help you or know how to get help and information is not properly recorded when you call.

They are a second chance loan company so the rates are going to be higher than a traditional loan. I personally haven't had any communication issues. They are clear and concise.

Agreed! They are a second chance financial institution so they aren't going to provide the best interest rates. If you pay on time or within 7 days of the payment they report it to the credit unions and your credit score will significantly increase in less than 3 months. Then, later you'll be able to refinance for a better rate.