I think that with proper planning and the idea that money is not taken from the air, there is nothing wrong with short-term loans. Of course, a loan should not be taken to buy a car or an apartment, but to take advantage of opportunities for development and relaxation. To take 40,000 bucks to buy a car, I would not do that. So you can stay without money and without a car. And when there are a specific goal and calculations, then a loan is a simpler way out than constantly forced savings on the quality of services. And you also need to know the main characteristics of short-term loans, is it profitable or not. It's my opinion.