Beneficial Finance Review

Beneficial has helped me out alot over the years.  Their interest rates are high, but when I needed money the most they were there to help me out, and I do not have good credit.  I have had 2 personal loans with them and now currently have a loan on a piece of property that I bought.  As long as I kept my payments up I usually had the opportunity about once a year to skip a payment.   Even if I was a few days late with my payments they would report to the credit bureaus that I was up to date, which kept my score up.  My loan officer would call every couple of months and see how things were going on a personal level and always let me know that they were there if I needed help.  I missed a payment one time and my loan officer called after several days of being late, because it was unusual for me, and asked if everything was ok, when i explained that i just did not have the money to pay the full amount he said if you can just bring in the interest amount and you can catch up later.  Which worked out great for me and they did not even turn it into the credit bureaus.  So they have been very good to me.  Yes the interest rate is high but they are there in a pinch, and have always been very friendly.   Even in these difficult times the interest rate is sometimes worth it for good service.  I wish I would have went to them for my mortgage.  At least I wouldn't be in the mess I am now in the middle of foreclosure and no help.