I just opened from the mail an "offer" from Citi Financial to give me a personal loan for $5K with most excellent credit terms of 60 months @ 20.99%. Wow, I'm certainly moving closer to getting out of sub-Prime hell with this offer. NOT! Did Beneficial get taken over by these people? Sounds like a lot of the offers I used to get a long long time ago. I havn't seen any ads for Beneficial or store fronts for that matter. Admittedly I did use Beneficial once in college to pay for an extra semester of studies that I did not qualify for fianancial aid in. I suppose these offers have their merit but I'd be hard pressed to borrow a lot under those terms. Heres a good question. I'm having surgery in two weeks for a condition I have that has used up all of my sick time for the year. Recovery time is supposed to be 2 weeks..but could be more before I get back to work Short Term disability will NOT kick in until 4 weeks and I am not paid for the first 4 weeks. Perhaps I shouldn't be so quick to shred this offer letter. Would they look kindly on me if I would waddle into their office I.V. Pole in hand, obviously outa work asking for money? Perhaps I should apply now to keep a nest egg..."just in case"??