My DH & I got a short term loan a few years ago when our car needed some urgent repairs.
We found it was ok, but there were times that the money didn't get taken out at the right time which would incur us a $45 over drawn penalty with our bank and a $25 one with the company the loan was through. In the end they waived those fees as they recognised it was a fault of theirs.

Now that we're financially better off I wouldn't go for one of those loans again due to the large interest rate, but it definitely helped us at the time. The maximum amount we were allowed to borrow was $500 as that is usually what they start people off with. It didn't matter that we were both working at the time either, we couldn't borrow more than that.