I have borrowed from this institution a few times and I did not have a negative experience. I knew when I borrowed from them the interest rates would be high, but I was in a bind, so go figure. The Customer Services Reps. (CSR) would call me the day of my payment or sometimes a day or two before, which I totally liked, so I would avoid any late fees. That's good Customer Service! I have since paid the remaining balance (nearly 2yrs. early) and this will help my credit scores. All of my loans were created at the Laurel branch and the CSR's were always pleasant to me, both in person and on the phone. Please note, there was a period when payroll was delayed due to a Government shutdown, but again I explained the problem, my account was notated and I made my payments when the funds arrived in my account. No harassing calls... Just good business. I think if you communicate with the folks you borrow from, and/or just take out the extra insurance for lost job payment insurance, etc. you will have a good experience. Life happens and it happened to me, but I believe if you to keep it professional and not personal you will have a positive experience. The moral is, if you borrow, you have to pay it back. It's just business. :-) Would I borrow from them again? I hope that I'm never in a bind again, but I would as a last resort. The interest rates are just too high for me. I have very good credit and a above average FICO score, and they still hit me with a high interest rate. Four out of five stars only because the interest rates are not competitive. I think if you try to squeeze blood from people that are in a bind, this will be a problem in the short run. High interest rates should be for people that can afford it! Each case is unique and all folks with low scores are not deadbeats. I should not have been issued a high interest rate, but again I knew what I was agreeing to and I would pay the loan back before its full term to avoid the fees.