There are much better options. They don't have a very good interest rate and don't follow through with their advertised promotions. I was supposed to get $20 back as a new customer and not have to pay for 90 days. They started charging interest after 30 days. I also didn't get my $20 credit because I had used them though my work and they wouldn't include me as a "new" customer. On top of it all, they initially said they'd give me the credit, but when I called back, they said the issue had been researched and the money would not be credited back into my account. Use another payment option if you can.