Thank you so much ... I did think it was pretty good but I wasn't 100% sure ... couldn't figure out the APR number. The rate is correct. I've been reading other people's comments and saw one fee for someone that seemed incredibly high! Your fee seemed really high too. I'm wondering what factors they are taking into account ... For myself ... I've been in business doing online sales for almost 8 years. It has been a VERY part time thing for me. My sales have continually grown over the last 8 years starting at about $12,000 my first year, up to about $85,000 for last year. There was only one year where my sales dropped by $18,000 (due to my regular job's work schedule and I was unable to work online as much). But other than that it has only grown ... slow ... but it has grown. I only use paypal so all my income for the business has been recorded through them. I use a Paypal debit card for all my business purchases. I never transfer my money out of my paypal account as I have complete access to it using my debit card. I have had very few credit card disputes and the one or two that I did have, I accepted fault (as it really was my fault). There are not any other factors I can think of that might have made a difference. I was shocked to see some of the other offers with such high rates! I can't help but wonder what was taken into account when my loan was offered to me. (I only accepted $2500 of the $6000 that was offered). It will be interesting to see what happens after I pay off this one and if I will have trouble like so many others have mentioned. I'm thinking now ... maybe I should have borrowed more when I could have! LOL ... we'll see how it turns out for the next one! Thank you so much for your help .... Annette
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