Difficult life situation? What is it ? Do you even have food? Do you have a place to live? These questions always occur to me when I hear about a difficult life situation, because often one learns that the money was used for (at a critical time) completely useless things, such as clothes, shoes, cell phone, ********* or God forbid. Until you write down what exactly you need the money for, it will be difficult for anyone to sympathize with you and it will be difficult for anyone to help you. Usually everyone is to blame, because at a certain time they live more expensive than they can afford. Of course, something else is completely different, but since you write that you have some income, it seems impossible to me. Be aware that a loan can be the beginning of a vicious circle. Do you think that if you don't have money now, a miracle will come and you will have enough to satisfy all your current needs and you still have money to pay? Or you think "but I'm not dealing with it now, it will turn out somehow". Do you have 100% certainty in the return on borrowed money, for example during the year? How much do you think you will pay the most. Start with at least 10,000. Personally, I had a lot of loans, but I only took them when I knew I had installments. I would definitely avoid lending money when I have nowhere to take it. You may find my statements and opinions bad, but I have always followed that and I have never been insolvent. Consider again if this is really necessary.