I had bad credit and Swoosh provided a loan quickly and the interest rate is reasonable, considering the kind of finance they provide. Their customer service is good as well.

What I don't like is that I don't get sent a statement any more unless I ask them for one. I know for a fact I am ahead on repayments and when I do request a statement, the repayment schedule does not take the extra payments I have made into account. So now I don't know when my loan will be paid off and there would be nothing to stop them taking extra payments.