Dealing with VIP loan shop is the closest you would ever get to dealing with the mafia, might as well sell your soul to the devil it would be cheaper, of course we have bad credit why else would you deal with a company that charges 400% interest, but you think is only temporary and hope nothing bad happens and you can repay it in two weeks. Why is this legal? yes we were desperate but we end up in a worst position, whatever you have to do, do it instead of borrowing from this sharks. Sell one of your kidneys maybe.