I used the fundlater option, 4k down, 6k loan. Account was opened within 2 or 3 days, very simple. Only requires $325 per month to repay yet I am repaying $500 per month. Fees are minimal, $25 per month, I worked it out and you should cover this fee with any interest gained on your 6k loan. After I have repaid, I will continue to get another 6k loan and just keep depositing until I am 50 to 60. I am only 30 now yet I think everyone should start a similar plan. Teach people to invest when they are young, I learnt a little late bit it's OK. Good company to invest with.