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I have taken loans out before and have always felt silly with all the terminology they use. With welcome this was different they gave me several options and explained everything they where doing. Unlike some other companies ive used they actual tell you about PPL and is benefits and when you confirm you dont want the product the dont add it on anyway. I have had regular updates and can always speak to someone when ever i call, plus they have local offices so you can pop in and see some one if your in trouble. The only negative things i can say are: They are extremely expensive i think i was paying 49% apr and they send you letters to asking if you would like to increase your loan special over the christmas period. I do understand why they do this but im quite good with my money and i could image some people getting further and further in debt.