i got a personal loan to consolidate debt through citifinancial. because i had poor credit, and no other options, i accepted their loan with a 26% apr, making my loan for $9, 000 come out to $16, 000!! i did get 2 insurance policies put on there too, one for home and auto protection (for $500) and one that would pick up my payments if i lost my job. my payments came out to $262/month, more than my car loan! i was good with my payments until my husband lost his job in march 2010. i'm sorry, but if it comes to having my electric bill... read full review »