Many people have asked how our rates can be so competitive. The answer is pretty simple. We do not employ commissioned loan officers, and we do not have the many layers of management of larger companies. These are two good reasons why our rates and fees are lower than many of our competitors. Another and perhaps the biggest reason is that approximately 85% of our business comes from referrals and repeat customers. We do not pay thousands of dollars that many companies spend on advertising and marketing. We have been on the Internet since 1997 and during that time we have seen many companies come and go and yet we are still here. We try and give you the information you want up front so you can make an intelligent credit decision. We are licensed in Arizona, Colorado, New Mexico, Oregon, Utah, and Washington. We urge you to compare our rates and fees to other financial institutions.