I took out an installment loan with Spotloan ( BlueChip Financial ) on or around XXXX/XXXX/14 in the amount of {$800.00}. They have debited {$130.00} twice a month since. My payments so far have totaled $ XXXX and I still have at least XXXX more payments left. Do I have any recourse with them in having them close my account and show paid in full? Or, dare I ask, receive some type of refund for paying such a high interest rate? In Oregon, there is a cap on how high of interest companies can charge on these types of loans. I did n't realize I would be paying so much more than my initial loan amount. I have not approached them yet to inquire about this directly. Rather, I wanted to find out my options. I want to clean up my credit and get to a point where I no longer need these types of services any more. But this loan has really put me behind in that plan. 
