There are none. There's no situation where it's better to have a payday loan. They are designed to be extremely predatory towards people with poor financial literacy and shit impulse control.
I-
Asking "is it better to have a payday loan" is like asking "is it better to start smoking heroin".
was gonna say:
Payday loans are actually quite worthwhile if you're a heroin addict.
If you pay it back quickly like a non retard, you're basically spending like 20 quid to borrow a hundred or so for a week.
Which is well, well, well worth not being sick for that amount of time.
That said, all the retards that didn't pay it back and got huge fines ended up getting repaid their shit a few years later after the UK gov cracked down on the predatory lenders. Banks too, when they were charging people fifty a pop for going into their overdraft. Often, sent into their overdraft by bank fees themsleves.
Which is good.
It's just a bit sore when you were one of the goodies who paid back their QuickQuid/Wonga. Com loans.
Slightly smarts, though it probably wouldn't have been worth the stress of being pursued for a few years.
It's wild that she still puts put begging posts when noone ever donates. Hope springs eternal ig. Actually did her weird other version (the autist adoptee woman larping as an anime character, crap musician) chip in a little recently?
I get second hand embarrassment from how she just never seems to realise there's nothing coming but still plowing on entitled regardless.
Maybe it's the fault of that bullshit trans grant.
And obv, just getting everything done and got for her by the frigs. Still though.