I applied for loan from Instant Cash USA, also called Instant Payday Loan, for the amount of 250.00 interest 60.00 I was told you are allowed to make 4 payment of the 60.00 interest then you pay your loan which you tell them the amout to pay. I paid off my loan. I recieved an automative e-mail stateing, I refinanced my loan in which I didn't. They stated they will debit my account an extra 130.00 which my minimun payment will be 50.00. I sent a reply stateing to cancel. I don't want to refinance. I received another automated e-mail stateting my request will be handled. I received another automated email stateing my account will be debit 130.00 again. I called the toll free number you get an automated answer. I've contacted several time about my payment you don't get a live person. phone is automated e-mail is automated. This is a rip off.