Okinus in Pelham, GA

I've used this company three times already and haven't had any problems as far as payment, the only problem I've had is they lower the amount I'm approved for every time. I always pay off within the 90 days that's the key here, while most feel this company is a rip off that's what all the finance companies do, they want you to go past the 90 days so they can charge you double. I've read all the reviews and it seems as if every person who's had a bad experience has gone pass the 90 days. the customer service has been excellent to me, but everyone has a different experience.

1200$ bed turned into 3800$ bed, missed the 90 days. Same as others. They wouldn't allow me to adjust my payments from the start..(to avoid missing the 90 day same-as-cash). They allow payment date changes for about 40$. I've never missed a payment. I'll never deal with this company again. Goto the BBB Site to see how to best deal with Okinus. Because they will ONLY: Give balance,Give "Early pay off" price, Give a bill date change for 40$. That's literally all they will do. Until you sue them.

I have had several loans through them and I would recommend them. However in saying that the key is paying your loan off within the 90 days. I've never not paid a loan off within the 90 days so I don't know how it is after your 90 days is up.

I have used this company for many years. I have had nothing but positive experiences. The key (as someone else mentioned in a review) is to Pay your account off before the 90 day deadline. If you do not, then you are going to pay Double. Only use their service for the 90 day window if you want to get a fair price.

Every time I've been on chat with this company their representatives have been very short. Considering I work customer service I have a level of experience I expect in return. The couple of times I've called they are short as well and seem to not know the processes. We pay on time every month and fulfilled our agreement so I'm not saying this as a bitter customer just wanted to offer advised that if they would like to keep good customers, get better customer service. Can't say that I would use them again.