I had been using ThinkCash for smaller padyay loans I paid of each month . Then I took out a 750.00 loan and was paying smaller payments over several months. Then I got an email from them saying that first bank of dealware was going to take over servicing my loan. I continued paying ever month and when I paid it off and went to do another one, I got a message on the screen that said FBD onl allowed 4 loans in 12 months and I was declined. No warning or nothing. SO.... Think Cash/FBD screws you over with high interest, lets you get in over your head , and then just cuts you off without warning. They dont warn you it is coming because they are afraid you might not pay if you know.