I would rather do without than get in the clutches of anyone lending money. It is the start of a very slippery slope. Don't think I don't know what it is like - I have had to make a half a pound of sausages into a meal for three. Not much for anyone, but we managed somehow.
..mm..well there are all sorts of reasons to need cash, from buying new shoes to buying medical help for your old and in agony mum...all flavours inbetween....at some point in the equation I'd probably have to do it ....but not for luxury items ....never.!
no, borrowing money from these companies will end up costing you more in the long run, I would probably budget/save or sell something to raise the needed cash.
I certainly wouldn't. Unfortunately there are enough people who do. I've seen the same thing with drugs. I was offered drugs like LSD a few times when I was at college but I always felt quite scared and metaphorically 'ran a mile'. I saw others take them though without any obvious fear of the consequences.
I think it's the same with those who borrow from loan sharks. They have no fear or awareness of the dangers or consequences.
An unlicenced and unregulated lender ChuckFickens. All companies and individuals offering financial services have to be licenced and comply with various laws. 'Loan sharks' are unlicenced and ignore the laws protecting themselves and their customers.