Me and my wife are struggling in regards to our finances. And the standing of the economy right may not be the right time for us to borrow money. But with the strong influence of many lending company, we were encourage to apply for one. I was determined to get approved when I found out that this company we applied charged us without prior notification. I did not understand the terms during the time of my application but they told me that this one I agreed. I ask for a money back which they returned after 3 business days.