offer installment loans and short term loans over interenet. APR is 624.5% Everything is fine until you become late with payment. They then take the payment and it all goes to late fee. Then they start calling office nad cell 6-7 times per day. I finally called State of oregon finance & Securities to see if they are licensed in Oregon. They are not State of Oregon said pay back on what you borrow plus a one time fee and then pay nothing else. I informFBD of this but the continue to call every day