I took out a PDL online with Cash Transfer Centers for $1300, and had to put a stop payment on it (in favor of making my house payment), and now I need to negotiate with them on repayment. After finding this site and being directed to my state's (Missouri) site, I find that they are not licensed here, and the state only allows for loans to $500 with up to 75% of the loan balance to be charged in interest over the life of the loan. With that in mind, can anyone help me with advice on how to negotiate with them and for how much? Can I set my payment terms and will they have to accept?