I was looking for a way to improve my credit, as I had extremely poor credit rating some my fault, some out of my control. I did not want to apply for a secure credit card. They are very upfront about interest rates and everything is clearly indicated. They allow extensions which I have utilized once or twice. In the last year and a half, I have taken out short-term loans, took their education courses and progressed. At prime, taken out and paid off loans at a much lower rate. I recommend them because of their ease of use and nothing hidden, and they have helped me make progress in my personal situation.
Bottom Line: Yes, I would recommend this to a friend