Have you ever used a short-term money loaning service?

[Kyle]

If you get a payday loan knowing you can't afford to pay it back then you're an idiot frankly and it's not the lender's fault.

[lawrawrrr]

I can't imagine needing one but I know there are some people who need it short term. I think you just have to know that you're able to pay it off and don't get sucked into a hole where you're hugely in debt which is such a shame and can seriously harm you. The APRs are so ridiculous but like Hannah said, short term they're not that bad, if you know you can definitely fulfil the payment.

[MKR&*42]

Never.