I really wanted a motorcycle and was thrilled to hear I was able to "get a loan" so easily. I had never applied for a loan on my own before and wish I hadn't now. This company not only charges exremely high interest rates but also claims it did not receive a payment on time that I clearly did pay on time thru my online banking. So in addition to the high interest, I received a $78.00 late fee. What was funny was after my first payment I owed more that the month before. Since then I have been paying it off $1000 a month and trying to get it payed off quickly. I have learned from this HUGH mistake and will never go through them again but I also hope my story helps someone else before they make this mistake. Go through your own bank, companys do not care how they get you a loan, how much interest or what it will do to you, they only want to sell their item no matter what it is... Be smart, shop around and ask about interest rates & charges but whatever you do... Do Not Use HSBC
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