I am requesting this loan for Consumption and Refinancing but I was only aloud to pick one reason. This loan will be used for Christmas gifts for my four children and to pay off my credit cards and medical bills. This loan will be repaid from my employment income. I work full-time no less then 40 hours per week. My base rate is 20.80 per hour. My Overtime rate is 31.20 per hour. I am a Euclid Driver and a Union Representative for my Local in the United Steel Workers.