Have you tried borrowing money from lending firms?

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Because of the high costs of living nowadays, people really fall short of their budget. Others resort to borrowing money. But what amazes me, as I saw on the ads, there are a lot of lending companies who are taking advantage of the present financial situations of these people. Considering the interests, mode of payments ,etc. Have you tried borrowing money from these lending firms? Does it helps you or poses more financial problems to you?