We are a direct lender in the state of Ohio that provides affordable personal loans ($100 to $3000) to people with less than perfect credit. APR's start at 13% on Personal Loans. Also, we offer car loans, debt consolidation & refinancing loans. Credit score does change the interest we charge. Our Car Loans have APR's varying from 9% to 19% depending on your credit score. You will never be referred to other lenders. Payment deferrals are available in case you get laid off for peace of mind. Walk-ins are welcome to any of our branches in London, Ohio, West Jefferson, Ohio, and Logan, Ohio. However, we can process the loan without you needing to visit our offices.