when it's small amounts i could be easily lured as well, but never for that amount. and i'd never take up a loan like that lol. the interest must be sky-high, you should check and see. it would probably be a lot cheaper to pay it back and wait 53 days before you take up the loan, if you want extra spending money. a friend of mine took up one of those loans (they have a particular name that eludes me) once and he paid a LOT of interest.