<prompt> Human: My girlfriend has three kids and Christmas is coming up. Normally Some of her family would help her out with a loan but money is tight. She gets a tax return around feb- march so she can pay the loan back then. We also live in cleveland area. She told me she is gonna go somewhere regardless. Are there any places that wont be too crazy with interest to loan from. She has a 13, 15, and 17 year old. So Christmas is still a big deal with presents. Not going to have a big Christmas but need to have something under the tree. Edit: I shouldnt have asked for advice, but rather just for options on what she can do. You all are pretty judgmental. Yes, if she could avoid it she would, but there is acceptance on her behalf that she will pay for services like a loan.  <response>: Theyre teenagers and they dont know their mom doesnt have money?Taking out a loan to buy presents is a bad financial move. Shed be much smarter to talk to her kids, Craigslistthrift store shop, and try to make a really special dinner. 