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Zocaloa, There are plenty of men and women that will get loans whenever they really shouldn't. It's good to obtain a loan when you want one, not whenever you just want to buy something that you could save your money for in a couple of weeks. If you get a payday loan, you have to pay a whole lot in interest and you might want to pay fees if you're struggling to pay it back right away. So, it should be used in case you have an emergency and never in every other case or else you may have a problem justifying it and paying it off.