I currently reside in Michigan. I took a loan out with this company in November for $250.00. Don't know if this company is legal or not, but somebody there has to be cleaning up and living high off the hog. They charge a fee of $75.00 just to get the loan, then every pay day they continuously charge the same amount unless you send in writing that you want to pay down the principle or pay off the loan. So far I have paid $150.00 to them in fees alone. Now I plan on paying this loan off next week but guess what, the fee is still the same whether the loan is renewed or not. So next week when I pay it off I will be paying $325.00. So that's a total of $475.00 for a $250.00 loan within a month span of time. That's worse than a credit card! I say if you live in Michigan, don't go to them for a pdl. They are more like loan sharks.