[FUNd]

zach they also have a 10% origination fee

Look, merchants that play in this uber-high interest space are usually very short-sighted. A monthly payment and a super long term is attractive, even when it's a ridiculous payback amount, because it fosters the 'I'll pay it later" procrastination mantra that gets most of these merchants in the credit situations they are in - in the first place.

Good business sense dictates you never borrow more than you need and you always go for the shortest term you can possibly afford. Fortunately for Loan Me, most people who would entertain a loan from them don't think this way.