3 /5 Stefanie Young: It is super easy to apply and get your loan. When you are qualified, they are super caring, sweet and ready to help. Beware though...moving forward, they constantly send me new offers since my original $5000 is paid off (in full and on time) so when I caved and reapplied for a second smaller loan, I didnt qualify due to a recent car loan. All of a sudden I was dismissed...the niceness turned to rudeness. Forget, I was a GREAT customer...never late...paid it off.....I guess its all about what YOU can do for them rather of what they can do to help you. They would of had 5 stars if it hadnt been the way I was treated the second time around after being such a good customer.