my payback schedule is that i have a job and can payback in a month. i wanted to just get an order in as early as i could.
so is there a reason why you can't get a loan from your local bank/credit union/payday loan/credit card? the interest rates charged here are usually
very high (5%-10%, 1 month, for a trusted member), so if you really do have collateral + stable job, you're better off with conventional lending places. even 30% APR credit cards have lower rates than what's offered here.