I have been a member for about five years and after reading the one star reviews it's mind boggling to me that someone could have a problem with this organization. They must have quit before allowing the program to work for them. It's a savings club not a bank. If you stay with the program you get all fees payed back to you and you end up with a savings. I'm just sorry it took me so long to post a review.
Grace Period helped me when I was in a bind. Their rates are manageable and the staff is helpful and friendly. When you need assistance they get back to you in a reasonable amount of time. Thanks to everyone @ Grace Period
Grace Period is a great place for a short-term loan that not only gives you cash when you need it, but it's program helps you build a savings so you can use your own money when you need it.