Loans have never been something that I would say that I am happy about.  However, the other day I was approved for an instant credit loan.  For the past few months I was trying to figure out a way to pay a bill that was up.  I could either pay the bill totally off, or have to rack up hundreds of dollars in interest every single month if I could not find the money.  Luckily I was able to get this new credit line to pay off the outstanding debt.  And the best thing is that my payments on the new loan fit right into my budget.