So first of all, I’d look at your expenses in your situation. Maybe the problem isn’t them, but that prices are going up and your income isn’t really. It sucks, but a lot of people are in the same boat. Secondly, why do you even need loans? I try not to take loans, I find them hard to pay off. On the other hand, I often use the bank feature where you can split your purchase. Installments are a great tool with a payment plan, moderate interest, and sometimes even none at all. I like that way more.