> But they also require a minimum of a two month term, and I can't find any indication on the site that they let you pay off the loan early to avoid additional

> But they also require a minimum of a two month term, and I can't find any indication on the site that they let you pay off the loan early to avoid additional interest accrual. This is the most damning part, IMO. I can understand the necessity of high fees to cover risk, but when someone has the ability to pay a loan back and you refuse to take their money so that you can get more interest, that's pretty shady. The only other time I've heard of conditions like that are for some car loans, where they give you a better price on the car and then try to make the money back with a higher-interest loan. Then they want to prevent early payback to ensure their profit margins.