My brother-in-law asked to borrow a large sum of money when he was behind on his car payments and the bank or whoever was threatening to re-possess.
We sat down and went through his regular expenses and his income, which was about 6,000 per month less than his ordinary expenses. Then asked the question..,..if this is the situation how will you find the money to pay me back? Answer: silence. My answer, if you can't pay it back, I will not lend it to you.
I guess he went to a loan shark because still has his car, motorbike, etc. He has an IQ in single digits, so it's only a matter of time before the debt collectors come calling.