Used responsibly, microcredits may be the right solution for you.
However, microcredits have higher rates of interest and fees than loans obtained through a local chartered financial institution. This type of service should be used as infrequently as possible or in the case where no alternate solutions, at lower rates of interest, are available to you.
Taking out several loans of this nature will burden you with debt and lead to serious financial trouble. Borrow responsibly!