That's a fair point. I don't know...I don't do "consumer" debt, so I'm just unfamiliar with it. Somebody is willing to take a risk on these loans, right? What interest do they pay? I see Wisetack advertised in Jobber, but I ignore that. Part of not doing big removals is we have very few clients who "need" to do something they cannot afford so I haven't looked into it/offered it. I just assumed that some people use the loans through Jobber because it is convenient. Lower rates than credit card, I assume??? I'd call a local bank just to see what they say. It'd be nice to keep it in town if you can...but maybe not as convenient.