Don't bother
I have been paying on a $10,000 loan with Future Family for about 2½ years. Getting approved was easy and the early months were smooth. Unfortunately, the problems started later and have only grown. Lost or misapplied payments: At least three payments have been “lost” even though I have bank statements and receipts showing on-time delivery—some payments were even above the monthly amount. Each time I discovered the issue only after I called to ask why my account showed late or past-due. No notice of address change: Two of those “lost” payments went to the address printed on my statements because Future Family quietly changed its payment address without sending a single email or letter. Credit score impact: Despite proof of payment and consistent on-time history, they reported me as late years later, damaging what had been excellent credit. Balance that doesn’t add up: Even after paying roughly $400/month for almost three years, I still allegedly owe about $3,000, which makes no sense given the original loan amount and my occasional extra payments. Pressure to allow direct bank drafts: I chose to send payments directly instead of giving them automatic access to my account. In hindsight, it feels like they penalize any customer who doesn’t let them pull funds themselves. I now have to fight to have my credit corrected, and I feel their accounting practices are careless at best and predatory at worst. Advice to future borrowers: If you must use them, document everything and keep proof of every payment. Double-check monthly statements and credit reports. If possible, pay as much as you can up front and minimize the loan amount to reduce exposure. Be prepared for poor communication and the burden of proving your own payments. What began as a simple fertility-financing solution has turned into a stressful, expensive ordeal. I cannot recommend Future Family based on my experience.