My credit is terrible due to medical bills in the past that are still haunting me. I am 25 and this is not a good situation to be in. I prefer to stay away from payday loans. I work and I can afford paymets of up to $150 a month. I would even allow payments to be set up to be direct debit out of my account each month. I am an honest person who teaches Sunday School to the teens of our church. Thanks for the advice and may God bless you.