I have used QQ for about 2 years now when I have need them - quick access to cash at a reasonable rate - all dealt with online and really easy to contact them if you need help.
I have made payment arrangements a couple of time with no fear and no fuss - once the loan is paid off you are still able to access another loan if need.
as always - this should be a last resort but the helpful and friendly manner lets you know that you don't need to worry if you can make payments - even when you cant - just ask for help.
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