Richboy1, I see Ratso gave you an answer, which is correct. But, I think your question is wrong. EFGO doesn't give out the loan. They license the software to people wanting to start their own pay day loan business. Those licencees are the ones who set the rates and ultimately are the ones you would owe the money back to.
These are my opinions unless otherwise noted.
Proud member #2 of the "iHub 9". All CAPS will crush the whimpy girly man quotes!!!