This company bought out GEMB Lending and is now charging a fee of $10 to make a fee via internet and phone. They told me I can send a check to them and they wont charge the $10 fee. Then if your even 1 day late on the payment they call you and your work at least 3-5 times a day. This is a horrible company. I wish I would have known way ahead of time that they were buying out GEMB so I could have switch companies on my own. read full review »