It is very helpful when you have no credit or cannot get approved otherwise! I am able to use my debit card which has been denied by other companies so far due their high interest rates (upwards of 15%). There really isn't anything bad about this service at all - its great!! Their customer support team does not seem knowledgeable enough compared to some others but thats just me being picky haha :). They do take care though after your initial application process where there will be multiple emails sent back & forth between both parties trying work things through together until everything gets finalized/approved etc.. This can sometimes go over 24 hours before final approval from them comes along however once received we've gotten our money within 48 hrs usually depending upon how long processing takes elsewhere :) Great product overall especially since i cant access any traditional banks right nw =(.