Lots of double talk in there "terms and conditions". You are led to believe your loan with the interest is debited on the designated date however, they only take interest and keep automatically renewing the loan and continue the same process on each date. They make sure the date is one day before the agreed date to insure in most cases that the money isn't in your account and then say that is the date is shown differently on "they're" screen. You have to physically, go back into the site to change your loan to a payoff basis. This is a feat that is almost impossible because magically, they're computer screen will always show something different from yours. A simple $150.00 pay day loan has turned into a $285.00 bill and we are not done yet! Stay away from these people and report them as I am. My daughter has used a online loan company several times and has never had a problem. Read reviews before deciding, for sure but whatever you do...stay completely away from this one and warn anyone you know who uses these type of payday loans.