Please research before you accept a personal loan. I was offered a personal loan thru HFC, and I accepted the bait. Needless to say, if I knew then what I know now, I would never have done business with them. I hope someone reads this and decides not to do business with them. They charged me a 28.99 % APR, and let's just say, I am locked into paying $267 a month for the next 2 years. I have been paying this amount for the last 3 years. Even if you pay every month on time, you don't qualify for a rate reduction. Funny thing is my credit wasn't even bad enough for me to settle for the high interest rate. Lesson to learn...don't settle when you feel desperate because there is something always better. When I pay them off, I am done. Don't fall for the trap. It is like signing your soul to the devil with your blood. Seriously...I regret it.