5 /5 Dee Zimmerman: When my water heater broke, I needed a personal loan to cover the $1,800 replacement cost. My bad credit made it difficult to find options, but this company in Plaquemine approved me quickly. Carlos was patient and walked me through all the terms, ensuring I felt confident about the repayment plan. The funds were ready the next morning, which saved me from a stressful situation. I also liked how they allowed me to make extra payments without any penalty, which will help me pay off the loan faster.