I double checked with my fiance to find that we could not accommodate the cost of the interest after all, and called to cancel. I guess they have a 15 minute grace period to call off the loan, which I was well within. BUT - guess how long they had me on hold for? Yup, you guessed it. A little over fifteen minutes . They then pulled the , "sorry, you called too late" card and now they want me to pay the FULL amount back all at once, regardless of the partial payment option. Guess the partial payment button was just for show? I don't know. FOR THE LOVE OF GOD DON'T USE THIS SERVICE!!!