Hello jmid1969...
The problem is, there are companies that charge you for fees that you have not yet 'paid'. Say for instance, you borrow $200 and they say it will roll over every 2 weeks and you only have to pay the finance fee which is $79 but then if you can't pay this $79, this amount gets added on to your total amount so in another 2 weeks, you will have to pay $200 + $79 (new finance fee) + $79 (previous finance fee not paid) so therefore now you will have to pay $358. If they try to deduct $79 and you didn't have the funds in your account, they will also charge you for the finance charge of having an NSF.
I had a loan that did this roll over plan and they ran into one of the NSF's because I did not have $125 in account to pay the finance charge at one point (this was on a $500 loan) and thus the next week (which shouldn't have happened because it was set for every other week) they tried to deduct $125 + $62.50 (NSF fee). Who in the world has ever heard of a $62.50 charge for an NSF fee? They basically charged me 1/2 of the finance charge as an NSF fee.
So basically, if you have not missed a payment and this would be the first time you are paying them, then you will only be charged the amount they have said they will deduct (at least to my knowledge) but if you have missed a payment, many things follow thereafter. Please, just beware of these companies as they are not to be trusted one bit.
Thanks!