Getting a personal loan is not really a sign of inability to manage finances. Sometimes, financial drawbacks can happen and it is not really because you are a spendthrift. Factors such as economic setbacks, delayed salaries, medical emergencies, or other emergencies, can affect one's daily or weekly spending power.
http://ezinearticles.com/?Three-Reminders-On-Taking-A-Personal-Loan&id=8914217
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