To be honest, these are payday loans that I took out a while back. I know you should never use these, but I was in a very bad situation, where that was my only option. Now every payday, I'm pretty much left with nothing, unless I re advance. I've tried for the past month or so to dig myself out of this mess, but I realiza the only way I can get out is by takiing out a personal loan to pay them off and then paying off my loan gradually.
I do belong to a credit union, I have my uto loan financed through them. I didn;t know if this may hurt me because that loan is only more debt. I've only been with them since about May, and I've never been late on my payments. Befor them, I had another car on which I was never late, but it was financed through a different company