Not trying to be a wet blanket here, but I feel I have to respond to the advice above. The best policy is NO PDL's at all - it is far too easy to fall into the vicious cycle of one PDL..then another to help pay off the first one when some misfortune befalls us and we can't pay our first PDL...then we can't pay off the second one because we're trying to use that money to pay off the first one...so we take out another...and another..and another...until we reach the point of fishing around on the internet looking for an internet PDL that will loan to us so we can try to get this all resolved. Even when we keep thinking to ourselves "just one more time - I won't have to do it again after this one!"
It never ends, and it never will, unless you break the cycle yourself by paying your PDL's off and not taking any more out. The internet PDL's are a sure way to win yourself a lot of heartache, stress, and high interest rates and fees that never, ever end.
Save yourself the trouble now, and break the cycle. I have, and am almost out of the woods now - and I will never have another PDL. I will do without whatever it is until I have the money myself before I will resort to another PDL.
I AM THE DEBT-DEFEATING WOMAN - HEAR ME ROOOOAR!