Shortly after my husband and I had our child, we found ourselves in a situation where we were both unemployed. I was a stay-at-home mom who couldn’t work in a traditional job due to a medical condition at the time. My husband lost his position with the company at which he had been employed for quite a while - another product of the recession. Fortunately, he was offered a job, but he would have to travel. We had not money to get him to Texas, so we applied for a quick personal loan. Without that loan, he never would’ve been able to accept the out-of state job.