I guess the question is, do I get a quick loan or don’t I? My car payment is due, but not overdue. And the fees, if I should be late with that payment, are less than what the quick loan will cost me. But, if I’m late, then that’s a bad mark on my credit and I can’t afford that on top of everything else. This is just a little setback. I have a job; my wife has a job; we are jsut underemployed at the moment. Actually, I’d say that it makes sense to get the quick loan since credit checks are part of hiring these days.