Well I am happy that I will be the first person to write a ripoff report about this company, Western Sky Financial!!!!!
CAVEAT EMPTOR, people! (that means "Buyer Beware")
This company's commercials has a striking female of North American Indian heritage talking frankly and a bit TOO matter-of-fact-like, about getting up to $5,000 deposited into your checking account overnight, and gives a phone number to call and/or a website address to go to in order to apply for said funds.
This woman even goes so far as to say, "Sure, the money's expensive, but it's a lot cheaper than a payday advance", whilst the fine print flashes across the screen during the last 4 seconds of the commercial.
Rewinding and pausing the commercial showed me information that made my jaw hit the floor!
This loan is NOT cheaper than a payday advance loan! Not by a long shot!
Let's say you get the maximum $5000 deposited into your checking account.
The monthly payment is $486.58 per month at an interest rate of 116.73%. To pay this loan back monthly, you'd have to consent to paying Western Sky 84 payments of $486.58.....or a grand total of $40,872.72!
That is more than EIGHT TIMES the amount of the original loan over a 7 year period!!!!!
If you think you really need $5000 or anything like that kinda money and this offer looks really good to you, be not fooled by the matter of fact talk. It's almost a bit too blaise for my tastes, and the very tone of this person's voice raises alarm bells and red flags in my mind even if I didn't stop and rewind the DVR to read the fine print.
People, you do not need this kind of trouble! Give this company a very WIDE BERTH and sell something of value or work a few more hours overtime to raise needed funds.
Take advantage of this offer and you will never get out from under the debt this company will create for you!!!!!!!!