It's well worth a visit to their website if you want an insight into how some people must manage their financial affairs. 12% to nearly 30% interest plus a list of fees as long as your arm if you want to use their money. Hard to see why everyone on the website (even the cartoon people) are smiling so much. A more honest expression might be a combination of gormless anxiety. Not moralizing, just saying, but not a business model that appeals to me.