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A beast in itself, this service is liked by most of the people. Due to various conditions and malfunctions, a lot of people aren’t able to get through the system as they fail to put up an asset for availing a bank loan. The need of the hour lets them use this option as the money is required urgently in most of the cases. With marginal interest rates, people can taste the sweetness of getting money but in some cases it becomes very difficult to repay the loan and a lot of people falls in the trap. Some people complaint about the bad service which incurs the repayment process as more than often withdraw insufficient funds from the account. Bad service and late reply harasses the customer side as they feel deprived of the service they were promised off. This affects the process further. 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