Please research before you accept a personal loan. I was offered a personal loan thru HFC, and I accepted the bait. Needless to say, if I knew then what I know now, I would never have done business with them. I hope someone reads this and decides not to do business with them. They charged me a 28.99 % APR, and let's just say, I am locked into paying $267 a month for the next 2 years. I have been paying this amount for the last 3 years. Even if you pay every month on time, you don't qualify for a rate reduction. Funny thing is my... read full review »