Short cap: got into some financial trouble due to car accident at the end of the year...living paycheck to paycheck that was the intial cause of the nightmare. Out of work, rental car, etc.
I took out a couple of payday loans, they were expensive, but I was slowly paying them down, but was still flat broke and constantly overdrafting my account, etc.
I have horrible credit, and was infact on my way to trying to repair it with my new car, and my one credit card until...wait...yes, a financial disaster hit.
I applied for loans, and was turned down seveal times.