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The benefits are obvious - you can choose a loan from any lender that fits you according to the terms. There are a huge number of lenders offering a different amount, rate, term. In general, I used the service, I liked everything. Everything is fair and well-organized.
I took out a payday loan 2 times. Was approved quickly even for the first time. The funds was immediately transferred to the card, they did not ask for any certificates.
It's very good to be approved. While I was registering, I thought they would take my data and cheat me. But the money was deposited on time. It turned out to be an real website.