Their Credit Loan is a farce. You have to pay a finance fee upfront. The catch is you get NO Loan upfront or at all, really. You make payments for the full term, say 12 months' worth. Then, you get that money "your money" back as a secured loan. Just save that monthly payment in your own bank account for FREE. Then, after a year, use it to open a secure credit card or loan through your own bank or a REAL Credit Card Company. They also make you cancel in writing or online.