Quick, easy and straightforward If I pay back sooner I’ll save on interest so that is the plan. My only issue though and why I’m giving 4 not 5 stars is that I have borrowed this in a month where I need it but my first payment comes out the same month… so I’m only getting the benefit of the borrowed amount with minus my first payment when I get paid, from the same wages that aren’t enough this month causing me to borrow money!