Have you ever took online loans

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These are the kind of loans given at the websites and more specifically for the users on particular earning websites like the Paid to post forums and other online learning websites. So what are the most challenging factors that face this kind of an initiative?
 
No, I have never taken any loan from banks or websites. Actually, I do not like to borrow money. So far, I have just borrowed money from the government to finance my study in the university and my mortgage loan when I bought my apartment.
 
Taking loans is one of the things I am seriously trying my best to avoid. If I don't have the money to do something, i will wait till am able to gather it.
 
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