<prompt> Human: So Im trying to take out a personal loan after being scammed out of about 1000 which will be the amount of the loan. The only loan option I have has a 19937; APR. Thats absolutely insane to me. Will this have any effect on anything if I get that paid off within this year? My family isnt able to assist me and my bank denied me a personal loan through them. I have a fair credit score but have been denied all other loans and credit cards. The main reason I need it is because I just recently accepted a job, but wont be starting for about 3 weeks, and my current temporary job ends tomorrow. I pay about 1000 a month in student loans and car insurance. Ive already asked for forbearance on all my loans, but to no avail. Its a very well paying job, and I could probably get it paid off within the year. I plan on doing things like postmates and ubereats during those 3 weeks as well, but I have a hard time trusting the income will be as advertised, especially in my area.  <response>: No, terrible idea. Having good credit is ideal, but its better to take a couple dings from late payments than it would be to paying hundreads in interest every month on a 1k loan. 