It's just another payday lender and as a short-term loan, you'll still fork out over $1000 in interest on the $1200 borrowed. Stay away and buyer beware.
Installment loans aren't all that helpful per FICO scoring. You're better off putting a few hundered into a secured CC somewhere and you'll build credit much, much faster and save over a thousand in the process.
Do you know your FICO scores? Oddly enough, or at least it seems to me anyway, lenders don't like to loan money when you need it, but offer it when you don't need it. Definitely try your local CU; they tend to be a bit more flexible and generous. In the meantime I'd aggressively pay it down.
All I know is my equifax is a 621, I have only been discharged for 3 months. I didn't know ow if there were banks more friendly to people like my self. My credit union has never helped me at all. I have been a member for 10 years and even when my score was good they never helped me
find a new credit union.......
from the sounds of it......you're repeating the very mistakes that landed you in BK.