Okay. You’re thinking about borrowing money from a friend or family member. Why should you do it? Why should you use us to help you do it? Good questions. Here are our answers.

You’ll save money.

Go into debt on your credit card, and you’ll pay an arm and a leg in interest alone. But family and friends tend to be focused on helping you, not making a buck. In fact, they’re probably just keeping their fingers crossed that they’ll see their money again. To get it back with a modest interest rate will be a pleasant surprise. And we all like surprises.

You’ll have flexibility.

Forget yoga, if you want flexibility turn to us. While bank loans insist on amortized monthly repayments, we know you like to go your own way. With us, you can repay your loan on any schedule you like—as long as your lender agrees.

It might be your only option.

They make it hard, don’t they? You need credit to build credit. But we can help you break out. Friends and family generally lend based on trust and goodwill, not a credit score. If all other doors are closed, people you know may be willing and able to help.