personal loan questions...

No, you havent. And if one of the local guys never mentioned Adult World you would never mention it because you never wouldve heard of it.
Tell me expert, whats the name of the other pervert store around here?

neither

Really it wasnt difficult at all for me at Sefcu. Ive gotten 3 personal loans there- I had to up the amount a few times and thats the way it works- new loan instead of adding to it.
My most recent loan was last September. I had it in less than a half hour.

BTW credit unions have the best rates for personal loans. Trustco was 3% higher than Sefcu.