I have read the reviews on here and I think people who are upset were in over their heads to begin. All payday loans charge outrageous interest rates, yet people in need of cash continue to use this service. You have to know how to borrow and when to pay them back. I have never had a problem with My Cash Now except when I just found out they can no longer do business in MD. The longest loan I had was for two months. Yes I paid way more than what I borrowed but I also did not pay back when I should have. This option is useful when you do not have friends, neighbors, family, etc that have the money to help you.