I love how easy it is to set up! It does not cost anything at all. You just pay if when they give you an invoice. The service is great! They are always there for us whenever we need them. There isn't much i dislike about this program. Keep going with what you have been doing, but add in more people who would like to do this as well. This has helped our business tremendously by giving out loans to our team members during tax time where we used to feel ashamed of asking for money. We have also saved tons of money because now our team members don't have to worry about putting their own money towards school expenses such as books or tuition fees.