<prompt> Human: Im 19 and Im having a baby in a couple months. Obviously money is a pretty big issue at the moment. I found a company who is willing to loan me 5,000 to pay off over 36 months despite me having no credit history. So naturally I have a few questions for people who have taken loans before. Is this worth it?If I did do this when it build my credit?Whats an estimate of what I would have to pay each month aside from 138?Could I take out another loan in the future while Im still paying this loan off?If I miss a payment or two will it immediately go against my credit or will I have an opportunity to pay it off before it does.Realistically with what im making now this money will only last me 9 months to a year give or take, so I just dont know if a 3-year commitment is worth it. This is one the biggest financial decisions Ive had to make so far. I could really use the advice to somebody who has done this before. Also I know its tax time, Im only getting back a couple hundred because I was working under the table for a majority of the year and only worked at a legitimate place for a couple months before 2017 ended. Therefore I cant rely on tax returns to give me the financial boost I need.APR is 36. Will I have to pay on top of my monthly payment or will it be a annual charge?  <response>: This is a horrible loan!!! You will be paying close to 3000 in just interest over the 3 years. Is there reason you can not work like a mad man to gather up money? What is the reason for taking out a loan in the first place? 