Back when I was broke about 4 years ago I took one out when my financed car broke down and I had no way to fix it. I paid it back a week later on my next check and since then I've never stepped foot in one of those places.
It was a bytch living paycheck to paycheck and where else are you supposed to go when you need a few hundred dollars that day and don't have the credit to put it on a card? I wasn't gonna ask fam or friends as it was too embarrassing.