We are a direct lender in the state of Ohio that provides affordable personal loans ($100 to $2000) to people with less than perfect credit. APR's start at 13% on Personal Loans. Also, we offer car loans, debt consolidation & refinancing loans. Credit score does change the interest we charge. Our Car Loans have APR's varying from 9% to 19% depending on your credit score. You will never be referred to other lenders. Payment deferrals are available in case you get laid off for peace of mind. Walk-ins are welcome to any of our branches in London, Ohio, West Jefferson, Ohio, and Logan, Ohio. However, we can process the loan without you needing to visit our offices. Funds can be directed deposited to your bank the same day that the contract is signed if received by noon. Unlike the typical payday loan or car title loan, our fast and easy bad credit loans have terms from 6 months to 5 years and carry lower fees. We don't charge early payoff penalties.