These payday companies are out of control. This particular lender realized Virginia was on to them about payday loans and now they offer long term loans. But at what cost? I got a 1000 dollar loan and never realized the fee for being a day late. I was a day late and had my wife go in the day after the due date to pay the minimum payment. Since I work two full time jobs I did not have the time. Well, the payment was made but I received a letter from them stating I owed 600 bucks in late fees. I was shocked and couldn't believe it... read full review »