I was in need of a few dollars and I needed it quickly. Credit score isn't by any means good. Credit karma said poor chance of getting a loan. But I had to try anyway since it was only a $5k loan. To my surprise I was approved. I've been trying to raise my credit score also so this was a win in 2 ways. The emergency money paid what needed to be paid, I'm sure tomorrow when I pay the loan off it sure can't hurt my credit, only help it. Thank you (LoanLending at Cash4U dot Com) for being there when I needed help. I will definitely be back if I ever need an emergency loan. 10 stars in my book!!!