I got two loans with Smile Generation Financial. The first was a 24-month loan and the second was a 12-month loan. Both were due about the same time. When the second loan was within 3 months of coming due, they applied a large share of the payments to the second loan causing me to default on the first, to the tune of around $2000 in finance charges. If they would have applied the charges to the first loan, which I had assumed they were doing, there would have been no default. I tried to reason with them but they were unwilling to work with me. My bad. I didn't notice the extra charge for a couple of months and will now need a lawyer to work it out. Buyer beware.
Bottom Line: No, I would not recommend this to a friend
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