Quote:yeah it's not fun and can be pretty scary but sometimes the options are all bad and you just have to do the best you can.

Honestly the best thing most people can do in those situations is swallow their pride and ask family (or friends) for help.  Failing that, getting a cash advance from your boss or from a credit card.  Or even selling some of your belongings.  My wife and I were very fortunate to have a good friend who was able to help us.  My kids practically consider her an Aunt.  I hated accepting help.  I'm one of those people who won't ask a store clerk where something is.  But I'm glad I didn't turn her down because I had too much pride.

 

Quote:What do you mean roll over? When I used them you HAD to pay it back the next paycheck or it was a collection issue after that. Then you had to wait 24 hours until you could take another one out.

 

Let's say you take out a $500 loan to get your car repaired.  They charge you let's say an $85 fee for taking out that loan.  That doesn't seem bad at all.  I meant hat's 17% interest.  No problem so far.  But let's say it takes you four months to be able to pay back that loan.  Each time you roll it over to another two weeks.  You now have paid $680 in interest for a $500 loan.  (A total of $1180, so I'm not being confusing here. Borrowing $500, and then paying $680 back would be reasonable)  

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