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I have had experience of only one Greenwoods agent and she is LOVELY. Very reasonable and fair. No unkindness or being judgemental at all. She is on the customers side. All that she asks is that you are honest with her, no hiding behind curtains if you can't pay. "We all have weeks like that" is what she cheerfully says. "See you next week then". No threats or barging into houses. The interest rates are high, but that is ALL you pay, even if you miss weeks. It will NEVER go up. You even get a rebate for paying it off early. Someone has posted rates of various lenders, which I too have looked into, and are not a true picture as they chose very different repayment terms for each which make some lenders look really high interest for example the e.g for Greenwoods is over 32 week repayment. However the 55 week repayment is only 220% APR whereas the provident and shopacheck repayments were quoted over 55 and 52 weeks respectively. Unfair I think to portray them in this way giving a totally false impression of a really fair company which has helped me immensely. If you can't get money from banks or reputable loan companies either because you are unemployed or have bad credit rating, then I would not hesitate to recommend Greenwoods to all who cannot see any other way to raise cash in a hurry.