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I've only read good reviews about spotloan.com online, yet some people keep telling me it's a scam... Keeping in mind that by not respecting your contract with the lender (any lender..), of course they'll come after you and eat you alive, will someone please tell me what's going on?

I've heard good things about both companies, but I'm not sure which one is actually better. So, yeah, which of these 2 native lenders offers the best payday loans? Great Plains Lending or Plain Green Loans? Cast your votes and explain your choice, please :)