To be honest, I am afraid to get such loans because of high interest. My friend had bad experience with such loans. She took debt but didn’t ask about interest rate. So, when my friend paying off this loan she understood that interest rate is 800%. I was shocked about this situation but it was her fault because she didn’t shop around first. When I had emergency case my decision was to get payday loan. Of course I shopped around first and found good debt service. Keep in mind that you can get instant online loans for consumers’ needs but be careful because you can get in debt burden.