I don't have bad credit, I just needed a quick loan. I thought I was going to get a title loan, but they explained that I didn't need one. They set up a real loan with a payment plan. Interest rate was much lower than I expected.
I'm not sure what was going on a few years ago, but my experience here has been great. The trainers are knowledgeable and easy to work with. I've only been going for 7 months, but I've never been more impressed with a gym.