I have NEVER had a problem with UnitedCash. They always have my money available by the next day...the finance fee is reasonable, $45 for each payment which is steep but once you think about it, u can pay the total balance or 3payments with the finance fee. Peoples problem seems to be that they get these high amounts and think the fee is to much and dont read all the way through the documents. I have never asked for more thatn $200 and like I will tell everyone...they are fair and reasonable. Between them, Ameriloan & Payday Yes...there has never been a problem. Incase your wondering, I tried all three because I wanted to know the best and these three are!