Instead of applying for the loan due to shortage of funds solely, the borrower should consider the issues and circumstances that are more important and require immediate attention and money.  There are higher interest rates and some fees included in your loan, which does not make it seem too appealing to be used for mundane things. Though so, personal cash loans are not only designed for an urgent expense. You surely can rely on the loan for other concerns - to pursue post-graduate education, professional training, or even consolidate massive credit card debts, which is tougher to repay with several cards separately while accumulating with high-interest rates. Learn more in Our Note To Borrowers.