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...